Kerrie,
most people do not need to be shooting at high ISOs. 3rd party software like Neat Image helps clean most of the noise up (you can grab a free copy of Neat Image basic as well, doesn't cost a cent). The free version only works on jpegs, the paid version on tiffs as well.
I wouldn't worry too much about the WB - there are ways to correct it both in RAW and in Photoshop. If you're worried about WB, go Nikon. Oh, and Canon sucks with flash. Has always sucked, and probably always will, Nikon kicks its butt totally.
For general stuff, the Pentax will be fine. There's enough accessories out there for the average person. Sure, Canon/Nikon have more, but do you really *intend* to buy it all? I doubt it, and if that's the case, it's a moot point imho.
DAve
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