Stewart, reread my post. Where does it it say that the OP can or cannot do what he wants with his or her money?
To the rest, there seems to be some incredibly over-sensitive souls knocking around here. Telling someone that a £3,000 camera (body only) would be wasted on them isn't pretentious, it isn't elitist, and it certainly isn;t harsh, it's a plain and honest opinion. Why sugar coat it? Only professionals or serious and highly talented amateurs will get the most out of a D3. For the most of us, it is over-specified, and I include myself in that group.
I have no issue with people buying kit because they want the best, or because they have the money to spend, what someone spends their cash on is up to them, but if someone is pondering over spending the best part of £3k on a camera and yet don't know enough about the camera system to understand it's limitations and capabilites it's a fair assumption to assume that it would be wasted on them.