Hi folks, may i pick your brains?

I'm considering a camera upgrade from my five year old Konica Minolta A200. It's been a great little camera but i could use a longer zoom, i like the look of the Panasonic Lumix DMC-FZ38EB-K.

I'm also pondering on maybe a secondhand digital SLR such as a Sigma SD10 with the following included..............
Sigma Carry Strap.
Sigma Power Pack SD.
Sigma EF-500 DG ST Flashgun.
Sigma RS-21 remote control.
Sigma Pro 2 editing software disc.
2 Gb Sandisk Extreme 3 CF card.
PC cable.
AC Adaptor.
Carry Case.

Lenses and filters:-

Sigma 50mm EX DG Macro.
Sigma 12-24mm EX DG HSM.
Sigma 17-35mm EX AF
Sigma 28-200 Aspherical.

72mm Polarising filter.
82mm Skylight filter.

I have seen this kit at just under £400, what do you good people think? And here's another option........

Nikon D200 Digital SLR + MB-D200 Vertical Grip
Includes Battery (x1), Battery Charger, Camera Body, Body Cap, USB Cable, official MB-D200 Vertical/Battery Grip and AA battery adapter for Grip.

£350 for all the Nikon kit above.

I have also seen a few secondhand Canon EOS300 & EOS 350 kits around the £300+ mark
What do you guys advise?