This is so silly, the lenses you mentioned are not SDM lenses, focussing cannot possibly be fast. It's like saying you cannot get auto focus if you use a manual focus lens on an auto focus body. As for up-to-date system, the K10D specifications stands above the two other camers, which is why it was singled out for many awards. As or it being not comprehensive, it's true in the sense that SDM is new to Pentax when Canon and Nikon were already using it long ago, but the other camera makers do not offer nice pan cake lenses like the 21 and 70, or the superb auto focus 31 and 77, all which I am glad to say I have had the priviledge of using.
For berrune, you must understand that kit lenses are junk, the only kit lens that I would consider to be good is the 14-50mm on the L1/Digilux 3. My basis for saying this is that you will not be considering upgrading anytime soon if you use this package, but I don't mean this package is what you should be looking at.
Regardless of whichever of the 3 cameras you get, there is a likelihood that you will feel the need to upgrade your lens plus a good tilt/swivel flash, this is where you will need to focus on when you buy a DSLR. I say this because most kit lenses are not sufficiently fast for low light photography, and the image quality will often become an issue for users after a while.
List out the cost of getting the 3 bodies without the kit lenses, add a good lens with a focal range where you would most likely likely use 90% of the time, and a tilt/swivel flash. This is where you will most likely be headed to. Do this comparision and the choice becomes clearer.
BUT if you think that you can live with this or that shortcoming, then any camera is good enough for you.
Thanks... I will take note