At first I thought you were criticizing me
I agree though, it's way more capable than a P&S, it works great for what it is. Not everyone can buy the top of the line camera and lenses.
Haha no not criticising you at all Geoff!
But yes I love my D3200 and I feel that I will be using for years to come yet.
The lens is more important than the body anyway, so if you did buy something like a D3100 but spent a lot on good DX glass for it then you're onto getting winning shots.
Obviously there are benefits to going full-frame, but very few people buy a full-frame D-SLR as their first D-SLR and not everybody needs full-frame!