Mary,
I am very partial to the SLR type digitals. Without going into all the particulars that have been discussed before, these camera will produce a much superior image mostly because the actual pixel is much larger that the pixel on the non SLR types. Also, your ability to shoot in low light conditions (an ability that I prize) is
vastly improved with these cameras.
As far as learning curve -- I wouldn't worry much about that. Which ever camera you buy there will be some amount of this. I found that my Nikon D70 operated in a very intuitive way. I have glanced at the manual a few times, but haven't really needed it much.
As far as on-line stores -- the link below, B&H, is considered to be a reliable source. When deciding between a local retailer and an on-line store you should consider how much hand holding you require. The one thing the locals will do is give you some hands on help if you need it. I found that when I was buying my camera the prices for what I wanted were not that different at my local retailer so I bought from them. I say buy it locally if there is not much difference. They will be more likely to help you out of a jam if you purchased the camera from them.
I have heard some random minor squealing from a couple of Canon digital rebel owners. I've heard nothing but praise from D70 owners.
http://www.bhphotovideo.com/bnh/controller/home?