This is one question that I always asked myself. Is the DSLR worth the money vs the interest I have. What should I be happy with it and how were the type of picture am I going to take. If i gotten the camera, how far and how much am I going to go. Therefore my equipment is a 2nd hand 450D and even my lens is borrowed from someone while I explore. $1300 is not a small sum, it can do wonders and how well spent is really on how great your passion is.
Getting a DSLR is most expensive hobby I ever been in but it kinda numb the pocket pain when you see the picture become a snapshot of your memory.