[RWebb]

the VR is likely as good as the fast f/1.8 lens; the need for a tripod is nearly obviated - read up on how to set and use the VR lens - it is one hell of a major innovation

you can set the ISO up high if you don't use your flash - I think it'll go to 1,600 on the D70 -- the pic may have a lot of noise tho.

flash often looks artificial and the subjects won't look very candid

you can turn on a lot of lights in the room also

and yes, shoot jpg + raw