"i am new to photography, though i love it.." Therefore, don't even think about an fixed lens, you want the DSLR, no contest. Even if you don't now, you will. 1100D all the way!
Definitely consider the 50mm 1.8, about $100 right now. It'll give you a great 80mm fast lens for people shots and walkaround images especially when the sun starts going down. It's cheap plastic, I can;t use it when shooting weddings, it'd fall apart...
The huge sensor on the 5Ds and the subsequent larger 6.4um cells on it gather light way better than any crop sensor. I don't own a flash, don't need it because I can shoot at ISO3200 and f1.2, and the low light image quality is enormously good. It's ...
