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"RE: Crazy or what..."
I understand your logic, but I'm not sure you've considered all the relevant factors.Firstly, for shooting in Manual exposure mode neither D3200 or D5200 would be my choice. Both models lack a front Command Dial, which makes control of aperture and shutter speed a little inconvenient.Next, when using RAW both cameras only offer Compressed NEF - and the D3200 is 12-bit only as well.The cameras lack a Commander Mode for the built-in flash, if you use that facility.Lastly, unless you plan to use Live View the lack of a 100% viewfinder might be an issue, and the dimmer viewfinder would make manual focusing more of a challenge.I think the D7100 would remove most of the above obstacles