yep, $400 for an xsi bundle isn't particularly awesome.
most entry/low-mid level camera bodies around that era are ~$250 or less and the 75-300mm (~$100) isn't as nice as the 55-250 IS.
It's a definite pass at $400 imo.
I'm a bit leary of gear that clearly states "lens requires a good professional cleaning"
To me, that indicates dust/mold on internal components, and this is the #1 devaluer of older lenses.
I wouldn't be thrilled myself with the kit.
I'd imagine it's pretty hard to get fungus to actually grow inside a lens unless you store it in the bathroom or live someplace humid or something

. To me it sounds like it's got some average amount of dust in it from the craigslist post (zoom lenses/lenses that pull lots of air tend to get some dust).
The nikon d3100 refurb is a great deal if you don't mind the slightly older tech.
i.e. not as many video features, worse lcd (230k->930k helps when previewing images); i think the d3200 has a newer autofocus version and probably better low light. the d3200 costs significantly more atm though.
I think the wide variety of nicely priced micro-4/3 bodies have largely pushed the price down on the old APS-C bodies.
If you want something smaller and lighter, you can't go wrong with micro-4/3. The olympus pen epl3 was recently on newegg shellshocker for $250

too bad you missed that. Currently it's $350, which is still pretty good considering they were much more expensive when all the camera makers started shoving out micro-4/3 1-2 years ago.
http://www.amazon.com/Olympus-E-PL3-.../dp/B005EZMAKE
Also, they look great if Wife Acceptance Factor matters

.
IF you want a place to host images, flickr.com recently spiffied itself up (full size images available, 1TB storage, nice new appearance).
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edit: looked around on kansas.craigslist a bit
http://lawrence.craigslist.org/pho/3813576104.html d3200 w/ basic kit + shotgun microphone (the ad says pioneer, but pics show polaroid) $400
The posts old, so it probably sold already.
seems like it'd be a bit of a drive, but it might be worth it to you.
thread on what to look for when buying a used camera (so you don't get pwned), though there shouldn't be any problems yet with a new camera like the d3200.
http://forums.anandtech.com/showthread.php?p=33558640