Buy a D90 with 60K shutter actuations for $375??

It's really only a proposition ultimately you can answer.

You've identified the risk well, and the savings.

The question is - is the saving worth the increased risk? If you used it for 2-3-4 years (which you'd reasonably expect) before issues - would it still be reasonable value?

--
Cheers, Rob.

http://www.flickr.com/photos/robsouthoz/