I have been battling this since I got my camera in July, so you are not alone. The people here have been a tremendous help to me, but I'm still not getting good out of the camera images. I changed the exposure setting and all my pictures had blow outs in them. I changed it back and the pictures are underexposed. I have read everything I can get my hands on and done everything I know how to do and my pictures are awful coming out of the camera. I didn't realize how bad they were until I decided to use my film camera at Christmas because I didn't want to spend hours on the computer correcting pictures. I used my F100 with the same flash (SB80DX) and same lens (24-120mm) and the same lighting as I did with the D100 when taking some photos after Christmas and there is no comparison between the two. I am also sending mine in for the firmware upgrade with a note asking them fix the problems I am having with the camera. If they can't, then I am probably going to sell the D100 and wait until Nikon comes out with a camera that you don't have to spend hours correcting each image. I really hate to do this, because I feel most of photography is going digital, but I don't like to sit for hours in front of my computer fixing what I shouldn't need to fix in the first place. Congrats to all of you who are able to get great out of the camera images. I wish I were one of you.
Lee Anne "The human race has only one really effective weapon and that is laughter." Mark Twain