Would you take an amateur's advice?
First of all, between the XT and the 20D, the imaging quality is the same.
What you are paying for is iso 3200, better build, faster/better AF, and other features. Given the same setting with the same parameters and same lens, I'll bet the iamges will look the same. If you need those features of the 20D, then you need a 20D.
If you are into landscapes/oceans, macros, night photog, and "around town" shooting, I don't think you need the possible more toughness or the marginally faster AF of the 20D.
I also think instead of getting the 20D with the kit for about $1200 or so. You should consider getting the XT body only for about $750 and a much nicer lens such as a Sigma 17-70 for under $400. I think this would get you the most bang for the bucks.
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