Patty - I feel for you! Our last car purchase was for an economical model that's worked out very well for us.
While I agree in principle with Dawg, I'm pretty happy with my lens collection. Of course I'd love to have some that offer a bit more speed, or that offer something else special (like the FA77 Limited), but I don't need anything. What I have covers my shooting needs for now - I have everything covered between 12-200 and then I have a 300 prime. I have fast lenses and smaller lenses and older lenses and auto focus lenses. What I'd really like right now is a camera that focuses consistently and correctly, like my K100 (and unlike my personal copy of the K10). If I had a later K10, I'm not so sure I'd be as interested in the K20.