Start with a 30D. If you want to have decent zooms with your 5d, which it sounds like you'll want zooms over primes, then you'll end up spending 5 or 6K for a decent outfit (24-70 2.8, 70-200 2.8 maybe to start + either something fast or a good flash for indoors). As far as portraiture goes, you can do that for pretty cheap. I (and most photogs, I think) feel zooms arent neccessary for portraits. You could get a 30d and 50 1.4, 85 1.8, and then maybe a 17-40f4L for your walkaround. you should probably get a decent beginners flash...430ex would work well for you with a stofen diffuser. That outfit would only cost around $2500 or so, and you'd be equipped for a pretty good range of photography types that way. No wildlife or sports yet, but another $1000 gets you a 70-200F4L and a 2x converter. 200x2x1.6=640mm equiv on your 30d...not the fastest supertele setup but dangit, it's cheap.
Seriously though, dont buy a 5d. I have a 5d and a rebelXT. the xt was my first dSLR (never had a film slr either) ever, and everything on my website was taken with it. I'm not saying i'm the best photographer ever (laffo) but most people think i have taken some pretty decent images for someone with 1 year of experience. If you had a huge bankroll, i'd say go for the 5d because it's an incredible camera. But you dont. So get the 30d and either the lenses I mentioned above, or work out your own setup. It's much better to have a nice armory of lenses, lots of fast storage and accessories than to have a better camera that
isnt equipped properly to get you the best photos possible. This is just my humble opinion of course, but seriously consider it. You come out in much better shape, especially not having to take out a loan.
PS: I kind of feel like we're on the verge of a sensor revolution or something...they're only getting cheaper. Practice with the 30d for a year or two, then see whats up with the new generation of cameras. There's no point waiting for a couple months for the next camera...camera's are announced all the time. there's always going to be something better coming out in a couple of months, or at least there will always be people telling you that.
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http://www.thebestphotographerever.com (website is not yet completed, dont make fun of it YET...you can make fun of the url now, though)