I use the canon 20D for both business and pleasure but find it a bit too complex for a first time user. I had a long discussion with someone else in your position and he finally settled for the Canon 350D. He was initially looking at the 20D or even the 5D as he had the money for them- instaed he bought the 350D and has accessorised.
When you price these cameras bear in mind that the lens you get with the kit option is as good as the lenses bought separately and you will bore of it quite quickly. You should also budget in a couple of 1GB CF cards, screen protectors, UV filter, a flash, a tripod and a good bag.
If you want to have a good read at what photographers are saying, go to
www.photography-on-the.net/forum.