Well if the camera store is The Camera Store, you will probably buy the camera.They treat their customers very well and will let you spend all the time you need trying stuff out.
About the carrying of gear around- my D300 with the 17-55mm 2.8 is worth about 4k if you kick in the Singh Ray Polarizer.And I spend a lot of time in the downtown core. I don't look for trouble so it's been good. But what I did do is get extra insurance specifically on my camera gear.
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