I had the same questions and with the help of this forum took the plunge and went with 3 lens. The stock 18-55, a telephoto 55 to 250 IS and a Fine Forty (40mm) fixed lens.
On the trip I used all three lens but left the fine forty on most of the time for quick shooting. Here's a shot with the 40mm and then a video I used the 250mm but really wish I had brought a tripod.
40mm shot at https://dl.dropboxusercontent.com/u/29864315/Fountain%20Paint%20Pot%20Nature%20Trail.JPG
55-250mm video at https://dl.dropboxusercontent.com/u/29864315/Yellowstone%20Bison%20crossing%20river%202013.MOV
I think the stock 18-55m is nice for most work.
After initial reviewing I have marked down 2 camera's to choose from but still cant make up my mind which one I should buy. D5200 is £500 and D3200 both with 18-55mm VR.
I spoke to one of my friend he advice me go for d3200 with 18-105mm lense but on otherside I am thinking I am just a beginner do I need 18-105mm lense ?
I am ok to spend upto £500 but you know its one of those thing in my mind I feel why to get lower d3200 when I can get d5200 for £500 .
very confused can someone please guide. I just need camera to click family picture with kid (indoor) and at time outdoor.