Replacing Old Faithful

Hi all.  This will be kind of long, so please bear with me.

TLDR: New package with lenses or just new body?

I have been shooting with my D100 for God knows how long now.  I have the standard kit lens (18-55 f/3.5-5.6) and a 70-300 f/4-5.6

I am by no means a professional, and that camera has done me well but it was exposed to heat and smoke and now doesn't work.  I am looking to replace it with a new body and was looking over options.  Pending the insurance adjuster getting back to me, I am looking at initially getting back anywhere from around $600 to $900 with the remainder of the cost being reimbursed.  I figured since anything new is an upgrade on such an old workhorse that I am OK going with even something entry level and pocketing a little bit of cash or just matching what is given to me from insurance.   

I primarily shoot events for my motorcycle club and photos of the family.  I also try to take shots of anything that interests me.  The 2 lenses I have are somewhat versatile for my shooting but there are kits available that include glass for a reasonable price if I go with a D3400 (3 lenses including a 35mm f/1., D3500 or D5600.  

I am considering the following packages:
D3400 with 18-55 f/3.5-5.6, 70-300 f/4-5.6, 35mm f/1.8 for $699
D5600 with 18-140 f/3.5-5.6 for $899

Or would I be better off just going with a better body and use my existing glass?  As a note, the current lenses I have aren't VR but the new ones are.  I am leaning toward the D3400 deal honestly because I have been wanting a prime lens for some time and from what I can tell without going up to full frame this particular one is one of the best choices.

If you made it this far, thanks lol.

Do you need VR?

You might look around at some camera stores, too. Kit lenses can be had used for about half price compared to new ones. Lots of folks get rid of them as the move to new glass. You might get just the body, and trade out your current lenses (assuming they still work) over time. That would allow you to get the D5600 and the 35mm, and have money left over.

Also, that 18-140 will feel limiting if you spend a lot of time at 200-300mm.

Personally, I don't find VR on short lenses all that useful, other than low-light situations. Others disagree. You need to figure out if that's important to you.

As for full-frame, the best you could do is a used D610. Probably not worth considering.

Quoting Kelly here: #nothelpful

garyrhook wrote: Do you need VR?

You might look around at some camera stores, too. Kit lenses can be had used for about half price compared to new ones. Lots of folks get rid of them as the move to new glass. You might get just the body, and trade out your current lenses (assuming they still work) over time. That would allow you to get the D5600 and the 35mm, and have money left over.

Also, that 18-140 will feel limiting if you spend a lot of time at 200-300mm.

Personally, I don't find VR on short lenses all that useful, other than low-light situations. Others disagree. You need to figure out if that's important to you.

As for full-frame, the best you could do is a used D610. Probably not worth considering.

Quoting Kelly here: #nothelpful

While I don't NEED the VR as an option, it wouldn't hurt, even though the 300 isn't a huge lens it would be nice to have.  The Exchange here on base has a D5600 on sale for $697 right now that comes with the same 2 lenses (18-55, 70-300).  I could feasibly sell my old glass and get a good prime with that money.

In the long run, I'm just fishing for input and ideas.  I appreciate the feedback.