For long I have been wanting to get a DSLR. With a newborn at home, I guess the time has come for me take the dip into world of DSLR's. My requirements are pretty simple, I will be shooting my family both indoors and outdoors. I want my images to be as sharp as possible and with right mix of colours. My DSLR usge will be 85% stills and 15% video. In that 85% for stills, I expect 70% of photography to be done in "Auto" mode (to begin with) and the rest 30% would be experiments done with aim to learn DSLR photography. Budget is $1250 and expect to get the cam within the next month. To start with I'm looking to pair the body with a good walk around lens. Might get a prime lens / tele zoom at a later date and I'd be done with. I have no plans to upgrade the body for next 5 years.

Possible choices I have in mind ...

1. Reburb Canon 60D + Refurb Canon 15-85mm f/3.5-5.6 USM
Slickdeals has a coupon code which can be use to get additional 20% off on the marked refurb prices.
For refurbs Canon provides only 90 days warranty, if we purchase the same on AMEX / VISA card do we get additional warranty ? Also can someone shed light on the refurb returns policy.

2. Nikon D5100 + Nikon 16-85mm f/3.5-5.6G AF-S DX ED (VR)

3. Pentax K-5 + Pentax SMCP-DA 18mm - 135mm f/3.5-5.6 AL (IF) DC WR
This combo exceeds my budget by $200. I have read a lot of good things abt the K-5, but only thing which bothers is the name "Pentax". I'm not aware of their presence and after sales support across the globe.

Thanks in advance.