I'm really sorry to hear that John. It totally sucks and shows it can happen to anyone.
As for me, I had been toying with the idea of full frame and I will still grab a D700 for the right price, but I also realize that the D7000 is still so much more advanced than my own skills that I need to get the hang of it first. I will save and buy some FX glass as a next step.
I shot my son's baseball game in the bright sun the other day. Not easy. But I was much better about freezing the action as I had enough light to work with fast shutter speeds while keeping the ISO reasonable. Exposure was all over the place, so I need to figure that out, but at least the relationship between speed, light, shutter speed, ISO is starting to come together.