However, I have seen the 3200 on sale at VERY good prices. I bought my wife a 3100 about a year ago. I bought the 3100, a lower resolution model. However, the sale price on the 3200 now is what we paid for the 3200! You can always select medium quality or lower resolution in the shooting options if you do not want to use a large card. However, enormous size flash cards are now pretty cheap. The extra resolution allows you to do a LOT of cropping without getting bad pixelation.
BTW, the kit lens 18-55 mm IS a macro lens in the Nikon kits.