Hi James. Gaz is correct over the VR issue, and I would advise you to go for the body plus the 18-55 VR.
Originally Posted by Harry8211
Later perhaps you could opt for a used 18-200 VR with a warranty which will be much cheaper. I have this lens with VR and boy am I glad of it. If shooting in low light or fast moving objects then you will realise what a marvel it is, especially when you are shooting at full stretch (200mm). The DX sensor on the D3100 crop factor means that the 200mm lens is in essence a 300mm. So the 18-200mm works out at an equivalent of 28-300mm which is the magnification that you actually get. All the best, Mike.
Humility is an endearing quality and gains many friends, whereas arrogance loses them. Mike, 2012