:isadizzy: Thanks guys.... I think.
I appreciate all of the comments. They are all interesting. Well, maybe Henry's was useless.

But being a professional, he can spout off uselss information and still seem on top of things.
First of all, I don't NEED a new lens or camera body. What I have has worked nicely. Now, WANT....
As OBIO said in his marvelous post, lots of lenses and swapping them does make one look cool. However, I find myself too often having to swap lenses. I am never in a nice safe location. I am always afraid of dropping one or losing the lens caps. then you have to be sure and put the unused lens in a safe place. Finally after what seems like 5 mins. you can take the picture.
I will never sell one of my photos to National Geographic. I take pictures for myself and my wife. She uses them to make scrap books of our travels. I look at them and am reminded of the nice time we had and the beauty we saw. I am a general purpose picture taker. One minute I will be taking a picture of an interesting person, the next an old unique building. Or, I may be outdoors, like last weekend, and taking pictures of mountains and native flora.
I do not need another body to carry around (although that would make me totally cool) my D-40 is fine for my purposes. I do like the LED shooting feature of the D-90 but I have lived without it this long. I am leaning toward the 18-200 lens.
Carrying one heavier lens to me seems easier than two or three lenses and a bag. I do know I will wait a few days before doing anything. No need to spend that kind of money on a whim.