People who want to buy a DSLR and start photography as a hobby, often do the same mistake. Comparing digital SLRs will reveal the differences between newer and older models, but these differences are not so big. If you buy Canon 450D instead of 350D you won’t be taking wonderful pictures suddenly. Most obvious difference between beginner models, is megapixel difference. Buying the newest model of the brand you like, can be expensive.
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If we compare 450D and 400D we see that, 450D have a liveview system and 2 megapixels more than 400D. When we consider the differences between 400D and 350D we again see a 2 megapixel difference and a dust control system. What I’m trying to say is; there are such minor differences between the old model and the next model. Dust control system for example; you can clean the dust on the cameras sensor for $10 or less on your own. And megapixel difference won’t be a matter since you are a beginner and won’t take picture for commercial campaigns. If your budget is low i strongly advice you to buy older models of the brand you want. I’m a Canon user so, my examples are mostly about Canon but you can apply the same things to Nikon or any other DSLR manufacturer. Instead of buying a 12mpx 450D for $1000, you can just buy a 350D for $400. They have the same fundamental functions and 350D will be enough to learn photography concepts, settings and all other things you need to learn about photography.
In sum, if you have a large budget than buy any DSLR you want, buy if you have a limited budget consider buying older and cheaper models. But don’t forget to compare the camera you want to buy with other brand’s same (or similar) priced camera. (For example; In my opinion Canon 350D is a far better choice compared to d40 or d40x of Nikon)