Hey Mac, I haven't read all the replies in this thread so hopefully I don't sound like a broken record.
The 600D is plenty good for the beginner DSLR user, I'd go for the 600D over the 650D mainly because it'll be cheaper. I started with a 450D and I learned in no time; Canons are really user-friendly and provides an easy learning curve for the beginner. I moved on to a 1000D for a while and although it was a lesser model compared to the 450D, I still found it great to use and more than capable for the amateur photographer. If you're short on money, I'd recommend the 1100D. The best thing about DSLRs is that you can start a collection of lenses and when you feel you've progressed, you can just upgrade the body. I've went through about 4 camera bodies so far and I'm using a 60D now - I'm no professional, and probably the only big feature that I use on the 60D is the high ISO, otherwise I could still use the 1000D and still be happy with it.
My opinion is to buy a second-hand body and second-hand decent zoom lens, maybe a Tamron or Sigma 17-50mm, Sigma 17-70mm or a Canon 15-85mm. I've been having good experiences with buying second-hand; the only new item I have in my collection is my 430EX flash and camera bag, everything else is second-hand. Maybe since this is your first DSLR purchase you'd want to go new, that's fine.
Edit: Oh, and I shoot without UV filters. If you take care of your camera and lenses and maintain them, a hood is more than enough to protect the front element from mishaps.
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