You also know that photography ain't cheap (although I am a little bit cheap).
Every fall (run up to Xmas) Canon has big sales on their refurbished cameras and lenses. Nikon does as well, but since I have the APSC-sized Canon lenses, I amtypically looking towards Canon. [BTW—If I potentially switch to a full-frame camera, Nikon may be a MUCH bigger part of my life– a new investment in glass would be in order anyway, and Nikon's price point on both is lower]
Whether FF or ASPC, I am always looking to save on equipment.
One of the biggest ways to save is FACTORY REFURBISHED equipment. I was always hesitant to buy refurb until I met one of Canon's CS managers from Virginia. She had shared that her son ( a pro PJ ) shoots a 5DIII (the mac-daddy of Canon's line) that he purchased refurb. She mentioned that they inspect and bench test each unit thoroughly (as compared to new where every fourth or fifth off the line is inspected). They also carry a warranty.
At any rate, I have not (with 2 cams and 2 lenses through the program) yet had any issues. I have also saved a ton over retail and even some "used" sellers.
I have NOT had any refurb dealings with Nikon yet, but heard similar praises from colleagues who have.
Some of the Cameras you may be interested in:
Canon Full Frame:
- the 5DIII (their "top-of-the line")
- the 6D (less cross-focus pts and different build)
- the 5D II (a few years old now, but still excellent)
Canon APSC ("crop sensor"):
The 7DII is driving the prices down a bit on their upper-tier APSC, and I may wait for the 7DII personally.
- the 70D (which, while it is APSC, has more cross-focus points and is preferred by many "general subject shooters")
- the 7D (sports, and bird shooters... I am a bit leary as the 7D had some issues, but it is a really affordable Camera with the 7DII release, and with a lot of nice features. I heard that on some a simple firmware update eliminated early issues).
NIKON FF (FX):
- the D800 or 810 line (if I did go full frame, I would seriously consider Nikon for features/price ratio)
- the D600 or 610 (the prices are dropping in October on all their refurbs btw)
NIKON crop sensor (DX):
- the D7100 or 7000
- the D5300 or 5200