I would recommend a PSR3000 or wait for the next 3K upgrade, but it's not top-of-the line!!!
Easy operating system, USB thumb drive (really like this feature) (I haven't used the smart media card at all), very good voices, tons of styles available, plenty of ram onboard for files, and this model is used by professionals (many on this forum). Loading of styles from thumb drive is very fast, you could just leave it plugged in.
One professional tried the Tyros, G70, and went back to the PSR3000.
The sweet flute, sweet soprano sax, sweet trumpet, can't be matched by any other board, IMO, except the Tyros.
Downsides: poor construction, organs a little weak, smaller keys (this might not bother a new user, I don't have a problem with it), only 61 keys (the 3K replacement might have 76 keys).
I own one, so I made an excellent purchase. I am a relative newbie, started with a Roland EM20, them PSR540, PSR550. I will keep the Yamaha PSR550 and PSR3000 for a long time to come.
Starkeeper
P.S. My PSR550 has an organ voice called 16+2, that I really like, and it is not on the PSR3000.

[This message has been edited by Starkeeper (edited 10-24-2006).]