The on-line community of forum users are probably not typical, I very seldom see DSLR users out and about using "L" lenses. I believe we are a tiny minority.
Most DSLR users buy a camera and kit lens from WalMart, BestBuy, Costco, or other big box store and are very happy with it, or overwhelmed and it goes into storage. Their expert is the camera salesman.
We are lucky for a realtively small city, (Spokane Washington) to have a good camera store (Huppins, www.onecall.com
), but they no longer have pro photographers behind the counter as in the old days, and they are going more into higher profit items like high end video and sound. They are, however, a bit more informed than the big box salesmen, and there is usually at least one or two salesmen that are quite good and can field tougher questions, and, of course, I can hold up a Nikon D3 and compare it with a 1DS3.