Thank you; that's actually exactly the type of info I was wanting. I'm having a struggle between getting a good lens and getting a cheap lens. I'd LOVE to get something with a universal 2.8 f-stop, but I know I'm a super-beginner and that's more of an investment than is worthwhile right now. I do ideally want to shoot the kids with this (as well as up-close photography), so that's exactly the type of information I need to know.I do favor a lower F-stop look, as well.
I may hold off for a while on a lens until I can find something I really like.
Based on what you described, I would recommend something like this - just find it for your camera model.
Older Model
New Model
Basically its a macro lens that makes for a great portrait lens. You can focus so close, get great flower, insects, and other macro type images, plus have a focal length that will be complimentary to people. You get the f/2.8 aperture and it's just a great sharp, but cheaper lens.