Honestly, Rebel can do what you want. But you know your going to end up wanting to do more. The 10D has many benefits over the Rebel, especially with the body construction.
I would make the fight for the extra funding for the 10D, in the long run it will be a sound investment.
Nothing against the rebel, great camera for the price, but as you said, has its limits.
Unique Photo is taking names for the 10D if you are interested
jasone@uniquephoto.com if you are interested.
Jason NJ