I would have to agree to an extent. No model of Pentax camera has ever really wowed me in any way. As for Canon, you have to spend a ton of cash to get the goods. This is why Nikon rocks, they offer affordable cameras that simply perform excellent.
Not really. in the low-end consumer market, canon probably has more features, but their bodies are built as "ruggedly" as the nikons. The nikons (sans the n55, havent touched it yet) are usually built around more metal and feel more reasurring to in my hands. However, the lower-end canons are substantially lighter and great for backpacking/travel.
And with lenses, its basically opposite what you write. Most canon lenses now have the USM, while you gotta shell out $$$ bucks for the equivilant on nikon.