if you have the money, don't bother with the D60, just get the D90 and deal with it's complexity. given time, you'll know what you'll be doing with it anyway.
the only reason i got the D40 was money. i wasn't willing to spill that amount of cash for a hobby i wasn't sure i'd like. so i got the D40 with the 18-55mm kit lens, a couple months later i snagged the 55-200mm and 35mm both for $200 each. i seem to like it so far, so if things go well for another couple of month, i'll upgrade to the D90.