what comes out of the box,[/b]
Besides the body, you get the battery charger and one battery. It will have cables, camera strap, eyepiece cap, LCD monitor cover (always keep it on your camera), Camera Body lens cap, CD ROM, and manual.
You will have to buy a Compact Disc memory card. I recommend a 4 gig Extreme III. Pick up a spare battery also. You should always have a backup battery fully charged. And you will need a nice camera bag. Make sure it is big enough in the beginning for you to add extra lenses and flashes.
Lenses are extra and will be addons, even with kits. Most retailers put different packages together. I would go to B&H online and do all your pricing there. Then I would go to Buydig.com and buy it. I have bought a Nikon D70 and D200, both from buydig.com. Reliable and usually a little cheaper than B&H. Personally, I would stay away from Ritz. I got all my original 35mm SLR equipment from them years ago. Too high in price and never was satisfied with the knowledge of the personnel.
In Baltimore we have a couple really qualified retailers. The best one is located in the Hampden area on Falls Road. Service Photo. 410 235-6200
www.servicephoto.com. They stock everything. And all the good high end stuff too. And they are priced exactly the same as B&H. Recently I bought my Nikkor 105mm f/2.8 VR lens and a Gitzo tripod from them. I spent $1,700 there that day and felt good about it. Exactly the same price as the online folks. Also like to mention that many of the professionals shop there. So many times you will be able to get a "field" opinion from one of their customers and not be concerned about being sales pitched. And they sponsor classes and seminars at hotels given by factory reps and pro photographers. If you want to hold everything before you buy it. And you want someone to look in the eye when you have a question. I trust these folks a lot.