Nikon D40... what would be a step-up from stock lens?

[NeveSSL]

Hi all!

I am considering a Nikon D40 and I was wondering if the stock lens would be good? What would be a good step up from there and would it be worth it to go to it immediately?

I know this may be a bit vague... just know if I don't get a D40 or similar, I'll have to get a point and shoot due to budget. With that being said, this will have to be a good "overall" lens, which I would suspect the stock lens should be to some extent.

Any help is much appreciated!

Thanks!

Brandon