Hi Wendy,
I feel for you right now, I've just gone through the whole indecision thing of not just deciding whether to upgrade, but then deciding what to go for, so many opinions out there, so many choices!
Last week I received my new baby, a Canon 350D (Digital Rebel XT) with the kit 18-55mm, Canon EF-S 10-22mm USM and a 1 Gig Lexar card.
I've moved up from a Nikon Coolpix 5000 which I had for a couple of years.
Some wide natural light shots that lacked the detailed I wanted, pushed me towards dSLR.
I decided I wanted that quality over the two big strength's of the Prosumers, the all-in-one lens flexibility and the ability to use the LCD screen for composition (do you know that on a dSLR the LCD is only for review, you use the viewfinder for composition?).
You can imagine then why I was so happy when I tried my new 10-22 and it focused down to 10cm from the tip of the lens, 12 cm for the 18-55 
I believe I have completed my internship with a Prosumer camera and now, upgrading to a dSLR, I reckon I'll be a better photographer for that internship.
It sounds like your in a similar position.
The 350D appealed over the 20D because of two primary reason's, dollar's and size, I need the saved dollars for lens etc and, I hate big camera's. And by all accounts, there isn't a significant image quality difference between these two camera's if any at all.
The Canon appealed over the D70 because of size again, but also because of reported better performance on higher ISO (natural light at depth), and because of 8mp, ie better crop options.
Already I'm thinking I should have got at least a 2GB or bigger card as this camera produces 6MB to 8MB Raw files so only ~120 Raw shots on a 1GB card.
Only thing that may annoy me underwater is the aperture changing which is a "hold button and turn dial", fortunately for shutter, its just the dial. That said, I rarely changed aperture on the CP5000.
I'm blown away with the near instant auto focus and shutter and know I'll be using the continuous shooting on moving subjects.
I presently do a lot of cropping
, I think this camera will help me reduce that because I need to look through the viewfinder and will pay better attention to composition.
Yes, delighted I've gone dSLR and Ike can't make his housing for it quick enough for me!!
Looking forward to getting a hands-on look at the new Canon 60mm Macro and if that works out then my u/w lens suite will be complete.
Go for it Wendy!!!!!!!
Cheers,
Aengus
PS,
A dive buddy of mine just upgraded to a Coolpix 8400 from a CP5000. He is very proud of the fact he uses a Prosumer camera and gets such good shots (and so he should be), but I'm going to give him 3 months......before he dumps it and goes dSLR!
ooooh, my inbox is filling with abusive emails from him already...... 