I wouldn't take out a loan for that D100 just yet. In February 2000 Nikon announced that the 80-400 VR would be available in the summer of 2000, but it didn't make it to dealers until November of that year (at least in Canada). Like the D100, it also made its debut at the PMA show that year, but many nikon users (including me) waited impatiently for months for its arrival after we had put in our orders.
I'm planning on buying a D100 at some point as well, but am holding off on the purchase for now until I've saved up the $$, until others have beta tested the product, and hopefully until the price drops a bit. I'm thinking spring 2003.