While my post was intended as mildly toungue-in-cheek, I do think many underestimate the cost and complexity of mastering digital photography. With film, good shooting technique, coupled with consistent development (usually courtesy of a lab) was what you needed to extract the available quality from one's equipment.
With digital, the paradigm has changed. Capture is only the beginning. Conversion and sharpening (leaving aside any adjustment of the image analogous to filtering/dogdging/burning etc. with analogue media) are critical to realizing the full potential of the equipment. Unless you know what you are doing, and do it well, don't bother buying a $5,000 camera. You might as well get a good P&S camera that is similar in size, since the results will be pretty much the same.
And yes, going digital does require the equivalent of buying your own minlab, as you must process each final image yourself to get anything approximating maximum quality.