Some photographs are for the record and only require the correct settings. The same scene may be required by a client but with more impact so you need too look for different points of view and consider the composition with more care. That is when a bigger range of lenses need to be handy.The actual camera body does not have to be a top end costly pro model.  I use a plastic body Canon 400D and get results which my clients are pleased with. When I was asked to produce large prints for an office foyer I had to look for a second hand medium format film camera.

So the camera kit cost is linked to what you are trying to achieve. Try not to be concerned about the body just handle it with care but buy the best lenses which you can afford.

and keep studying good examples of images which is why renderosity is so useful(apart from having chatty members !  )