Time to chime in on this one. I am a 7D user here just to get that out of the way...
Now....
knowing the system your on is very important in deciding what to buy. I made the 7D decision based on my finances. As an emerging pro with little resources I decided on the 7D because it was the best body I could get within my budget. And since then, all the purchases I have made have been with the thought of eventual upgrade.
I bought the 24-70 2.8 mki, because for my needs it fit the bill. A lot of the jobs I have are concerts/events, so the flexibility of a zoom was necessary. Low light is generally what I work in as well, so i needed it to be a fast as well as flexible. Prime lenses are on my list, but until I am doing more work in portraiture, the want does not = the need. My next lens purchase was a 70-200 2.8 non IS. L quality glass, good range, especially with the 1.6 crop factor. I also have 2 580 ExII flashes and plan to add a third, and eventually some form of transmitter (pocket wizards maybe?...not sure yet, for now I am going to use 580 as master).
The third lens I bought made me groan a little. the 10-22mm 3.5-4.5. I snagged it used from B&H thinking it would resolve my lack of wide angle ability. I had wanted it to be good for events, but at the wide end the distortion is just too much (don't get me wrong, it does make a nice image when there's enough light to use it throughout the focal range. But it is very hard to work with for events. It is a great lens for art though...
In making the decision to buy a super wide, I came very close to pulling the trigger on a 16-35mm, but I just didn't feel like it was wide enough on a crop sensor, great for FF, but not exactly what I was looking for. Do I regret the choice? No, I like my little 10-22 and if i can swing it financially, I would like to make my 7D be a second body, with a 5d mkiii being the one i use when quality is needed (weddings, art, portraits - 7D becomes what I bring to lower paid events). As i made the decision, I definitely took note, not only of the purchase value, but the used value as well. I made the final call to snag the 10-22mm knowing that at same point down the line it would probably be on ebay.
With all that said -----if your on a 7d, or any of the xxD, xxxD series camera's, don't pinch on glass, use the time on the cheaper body to invest in good glass! The only time you'll really feel left out glass wise on a crop sensor is for the super wide angle work. And, if your lusting after FF, then you should also be lusting over the L glass. Why buy a FF camera, and put a lens on it that won't give you the full punch of the sensor?
Stated another way - the good EF-S lenses actually aren't that far off in price from their EF brothers. I know it doesn't help if you've already bought them, but, if your looking and on the fence, why buy a 17-55 2.8 for over $1000 if you know that lens is limited to 1.6 crop bodies? And if you have already bought one, do some homework, see what the resale value is - not sure how well the higher end ef-s glass holds its value. Save up, swap, then go FF... It gets right back to knowing the system you are on though and planning upgrades for the long term...
http://chuckalaimo.com/