Cant speak about the use of it with vista or xp but the mega pixels dont make much of a difference (or atleast not on a dslr where the difference is of about 2mp). Its more to do with the lenses your armed with.
Have you thought about canon? Im a canon 350d, you can oick these up fairly cheaply now as they have been replaced by the 400d - a 450d is due to be released in march too. As for lenses you really want a wide range I'de have though, I have the kit lense (18-55mm) and a 70-300mm sigma.
All in all for my canon 350d and two lenses I recon Ive spent about £550 (my sigma lense was second hand) so for about £500 quid or a bit less if you shop around ou could get yourself a decent kit.
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