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if the kit lens for the D40 is the 18-50 I would suggest getting the 18-70 instead as it's reported to be sharper and gives you a bit more reach. The 18-135 is also worth considering.
the 55-200 is the lowest price VR lense available on the market, not top notch image quality but affordable. so maybe just go with the 18-50 as it'll come as kit lense for a small plus over the price of hte body only. if you hait to switch lenses then you should wait and get the 18-200 VR as suggested before.
Unfortunately the D40 will not autofocus with non AFS lenses so you cannot consider the fast and very good quality still affordable (300-400USD) Tamron and Sigma 17-50 and 18-50 2.8 lenses.
this is the price yo upay when saving on the body as even the 50mm 1.8 which is very sharp and very cheap will not focus on it and you find yourself having to buy more expensive glass.
I would suggest trying to find a used and in good condition D50 which will not suffer from those limitation and be a bit cheaper in addition to be the best in handling noise at high ISO as well as allowing you to invest in other cheaper lense options.
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