Some more 2c, you might want to consider a longer "walkabout" lens than a shorter 18-55 + 55-±200. I quickly got tired of changing lenses, as well lugging 2 around, as well as the annoyance of possibly getting dust on the filter. Nowadays, my 18-135 stays on my D40 all the time and I can get good zoom without changing lenses. I only paid R1,500 for it, second hand. So a possibility could be a new body, and then going for longer walkabout lenses second-hand.
I see Canon also have a relatively cheap 28-250 lens? Nice range. Maybe Nikon have something similar if you end up preferring the feel of them.