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The D60 lacks an autofocus motor, which is not good for underwater photography.
Have the D90 and love it. I think there are a couple things you may want to consider:
- The D60 doesn't have a focus motor in the camera, as mentioned above, which means you can't autofocus on lenses that don't have a focus motor in the lens. If you have the D90, you can use tons of different lenses, including older lenses that can be very inexpensive on ebay.
- If you're planning to use it underwater, you probably are only going to use a couple of lenses (wide angle/fisheye and macro), but the housing and strobe setup will probably be at least $3k or so. Getting a better camera for $500 more doesn't really increase the total cost by that much.
It just means that if you want autofocus, you need a lens that
has a motor, and there's a reasonable selection of those.