I finally did it: Bought, from Amazon, the Nikon D90 kit including the 18-105 mm, PLUS the cheap Tamron 70-300 mm Macro, plus the Nikon 50mm f/1.8. Plus a couple of UV filters, etc.
Total expense $1300.
I will still be looking for the D700 replacement plus good lenses, but in the meantime I will have a Nikon to learn on and a range of shooting options from 18mm to 300mm. The 50 and the Tamron lenses will be usable with the fullframe camera. However, I recognize that the really cheap Tamron ($165) may well not work at all well. If it doesn't, at least I haven't wasted lots of money.
Hope I'm happy with what I get. I did pay the extra $15 to get faster shipping...
Thanks for putting up with all my deliberations.