I've talked to some professional photographers and they recommend people to start with crop sensors and crop lenses when they first start.
Most people starting off into photography have no clue what they are doing, and thus aren't even sure if they are going to commit to it. Which is why crop sensors are fine recommended by pros, because the initial investment is much smaller. There is also the fact that most super-zooms are cheap for crop sensors. They are also complete trash to actually shoot with, but a novice isn't going to understand that, let alone understand damn near any of the features of a nicer body.
What I was saying is there is little reason to buy a crop sensor if you
intend to upgrade to a full-frame later on. At least in the Nikon series (it seems), as with the Canon series EF lenses work on crop sensors and full frames while EF-S are restricted to crops only. Any high quality lens is EF mount anyhow, with only a lens or two that is of similar quality in the EF-S lineup. Even then, I can only think of the 17-55mm F/2.8, which is still a $1000 lens.
The excuse that you can get cheap crop lenses is quite limited, and mostly restricted to lenses on par with kit lenses. The nicer crop lenses run as much as nice full frame lenses, and in some cases, more. I find you get what you pay for, and there is no magically awesome cheap lens for crop sensors exclusively.
Honestly, when novices ask me about buying their first dSLR, I have a great deal of trouble talking to them about it because they get so hung up on the prices. The prices of entry level dSLRs and their kit lenses, and they are generally at a loss for words if I bring up any decent lens, as they all start at $600 generally. For the cheap ones. What I end up doing is telling them to get an older body (Canon 40D), 2nd hand, for cheap and to pick up a prime lens such as the 35mm f/2 or 50mm f/1.8 (or 1.4) and learn on that. Sure, doesn't have any fancy features compared to the new Rebels even, but better handling and it will force them to learn what they are doing if they want decent shots. Hell, if they can learn on film, even better. Far too often I see someone with a 7D or 5D and shooting in full auto, failing to understand the most basic of concepts.
Really, the price of this full-frame Nikon will still be too bitter of a pill for the uninformed to purchase, because they simply don't understand how a camera can even cost that much.