The D40x is a nice camera, but it doesn't have an autofocus drive pin so if you want to use AF, you will have to get lenses with an internal autofocus drive motor (Like Nikon AF-S or Sigma HSM lenses). I shoot mostly close-p / macro so almost never use AF, but you will want it if you're going to shoot scenic landscape / birds, etc. You might want to look into a used Nikon D200 or D80. These will AF lenses without an internal AF motor and are pretty reasonably priced right now. Can't advise much regarding Canon as I've never pressed the shutter button on one, but I hear they are decent cameras. Go to a shop and see how you like the way the various brands fit your hands. About getting a tripod and external flash – yes, you should. I think filters can wait a while.

Best of luck.
WK

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