Just recently upgraded to a DSLR from point and shoot also. I'm running a Canon 60D, with Canon 10-22 EF-S, 18-135 EF-S and 55-250 EF-S lenses, plus a Sigma 150-500.
I almost bought that same EF-S 10-22 but I did not want to spend the cash on a lens that wont fit on a full frame :-/
Or the 100 macro, or the 70-200 2.8? Killer deal style, of course .
I hear what you're saying, had the same thoughts myself. But, honestly, I've just barely started getting to know my 60D and as of now, doubt that I ever will go FF. Or, even if I do, don't think I'll be without a smaller crop body for hiking with and stuff. But, even if someday I ditch the cropper and go FF all the way, I bought the 10-22 used and will probably be able to sell it with little or no loss. So, I figured, what the heck .
In a way, buying it WAS a mistake though... It has easily noticeable higher IQ than the 18-135 kit lens that came with the body. Which, has me thinking of replacing the 18-135 with something nicer and much more expensive. Can't decide between the 15-85 EF-S or the 24-105L though. Will probably pull the trigger on one of those two (used) sometime in the next couple of months though - if I can ever make up my mind which .
That's the way I'm currently leaning. Seems like the 10-22 I already have, a 24-105L and a 70-200L would make a pretty killer three piece lens kit.