The Canon 30D and 40D are being replaced as we post. If you spend your time worrying about staying up with the model/feature race on dslrs, you better be pushing a huge pile of money in a wheelbarrow, because that's what it's all about. Mfrs, trying to stay alive. It's doubtful if there are many new features you can't live without, or might likely never use. And who said the zoom that came with the 20D is crappy. You certainly didn't get those ideas from reading the good reviews on the 20D at
www.dpreview.com or
www.steves-digicams.com.
I presume you paid a decent price for the 20D, which makes us all beneficiaries of good fortune when the new models come out. It's a huge rat race to separate you from the contents of your wallet, and people are forking over fistfuls of dough like they actually have it to spend, instead of feeding their babies and paying the rent.
I bet that in the year you get acquainted with your 20D, you won't find anything you can't do with it, and if you do, the 50D and 60D's will have dropped the price on the 40D by megabucks. Use it. If you don't like the lens, there are some GREAT aftermarket lenses at very fair prices that give a better bang for the buck than Canon glass, not that Canon glass is not good..... just over priced like all OEM accessories.
You sound just like me when I was young and used to introduce my new wife to people I met. "Hi, this is my new wife Alice.... Best I could do with the car I owned at the time!"