I think the F100 makes more sense for someone (like myself) who uses both film and digital systems, especially if the lenses are of G and/or VR type. Some of the newer lenses are very nice to be able to use on film (14-24; some of the VR's). In that sense it is not a lateral move. But that is not the OP's situation, I think. I agree he/she may find more reward in pursuing photographic possibilities than gear at this stage. I only became able to afford "better" gear in my mid-thirties. Looking back, I wish I had spent more of that money on travelling and day trips, rather than on gear that becomes obsolete all too soon.