I feel like the luckiest girl alive right now.
The reason I feel so lucky is this: I bought the Canon refurbished on eBay last February. So, still under warranty in theory but Canon HAS no warranty for refurbished cameras. The camera dealer warrantied it themselves for 90 days. It broke after about 8 months, in October. Stopped reading the memory card, a known issue with Rebels.
Since I knew I would have to pay out of pocket for repairs, and had heard an estimate of $200-$300, I put it off until after Christmas. I sent it in last week and guess what? They fixed it for FREE! They just treated it as a warranty issue even though they shouldn't have. I'm seriously happy! I am by no means an amateur photographer...I still don't even get out of auto. But I spent all that money on a camera and it takes beautiful photos even in auto...I missed it so much!