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what about getting a second hand canon on ebay and then removing the IR filter yourself?
Even without a cooling mod, the IR filter mod makes a difference from images i've seen and you can take pics of the kids (with an external filter on), and you won't break the warranty. they go for between $220 and $300 or so.
I'm getting a qhy8 just for that reason and the fact that you don't need darks.
I don't know if there will be discernible difference in astro images from a 550d and 1100d, you could search for images taken with unmodded 1100's and 550's and compare.
also depends on your location. if its dark enough, almost any model should give you decent results. LP plays an important part whichever camera you get.
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