If you have the money and want to learn manual soon, I'd say go with the D90. I had my D40 for almost 2 years. As long as it was on auto I was OK. As soon as I learned Manual I got frustrated. The D90 has two separate wheels for controlling the aperture and shutter speed. It makes it so much easier. Actually all the settings are easier for me to use on the D90. But I get easily frustrated with electronic devices, lol. 
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~Karen~
My gear: imac, CS5, Nikon D90, 35mm 1.8, 85mm 1.8.
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