You are correct. It is funny that I'm asking about an all around lens and I hadn't thought of it from that perspective. I had read several posts where people talk about their "walk around" lens and I guess that is really what I was asking about. My only concern with switching lenses is the dust issue, but I do take all precautions while switching. Being completely new to dslr I've read a lot of articles about dust/cleaning sensors, etc..
Perhaps that is a good question to ask as well. How long has everyone had their dslr and how often do you clean the sensor? Not just the dust removal feature, but actual cleaning of the sensor.