In reply to Indy:
> Have found dealers to be a bit on the expensive side and Ebay well they kinda worry me when a couple of hundred is at stake.
I bought my 20D (~£250 at the time), a 28-135mm lens (~£200) and a 100-400L lens (~£900!) from ebay. In all cases I've had no problems; just use a little common sense, and only buy from people who actually write their item pages instead of copypasting from a manufacturer's site, who have photos of the item in question, and who have a decent amount of feedback, etc.
> What does [a beginners or starting out camera] mean other than the cheaper price. Do you at some point think I need this missing feature?
It made more difference back in the day. Your D3200 will probably perform better than my mid-range 40D does, simply because the design of the 40D is 5 years old and therefore ancient in dSLR land! The only (minor) drawback of going for a cheap Nikon instead of a more expensive model is that you won't be able to use really old Nikon lenses (see
http://www.kenrockwell.com/nikon/compatibility-lens.htm ). I doubt this matters to you at all. Go for it.