Well, I've gorn and done it. I was incredibly lucky with one those annoying PPI firms and can say it's well worth getting them to check up for you, even if they do take 30% plus VAT.
I've got enough to buy a second hand Canon with a standard 18-55mm lens and a new 70-300mm lens from my excellent local camera shop Ffordes of Beauly who have a first class on line service and have given me a really good exchange price on my old Olympus. I thoroughly recommend them...the shop is absolutely fantastic, completely drool making.
Sooo, whether it will improve my photography we shall have to wait and see. As I saw on the wall of the Perfume Studio which does photographic courses as well as making their own soaps etc "A new camera doesn't make a good photographer"