My coworker was thinking about buying the Canon EOS 20D today as a matter of fact. He's getting married on Friday so was thinking about getting it for the honeymoon pictures. That camera is way overkill for what most people use it for. It's a 8 megapixel, we have a 6 megapixel, and we use it weekly (sometimes daily) and sell our photos. Just like computers, the most expensive one is going to be a waste of money if you're only using it for email.
Of course, it's not all about the camera, there's a lot to learn about photography. I'm still getting used to all the manual settings and figuring out which ones work with which situations. F stops, shutter speeds, depth of field, lighting. And then you have the astetics of the picture itself. Shadows, perspective, color, b&w, sharpness, focus.
The one thing I get all the time when people comment on my photos is "Wow, that's a nice picture. What camera do you use?" As if it's just all about the camera and anyone can take a good picture if they buy a $2000. camera.
It's a little annoying.