The lens I really truly love is my 50mm f/1.8. I'm not familiar with the D40 or its lenses, but I would think it would have a 50mm available for it.
I also have the 55-200mm and I love that too! LOL. I just got it for Christmas and have used it quite a bit trying to learn it. I would go for that over a card or card reader. Cards aren't that expensive anymore.
I rarely use the kit lens.
This is my dog. His name is Tucker. And we live in Ontario, Canada, eh! <br /><br />