I too have been using a N65 since it came out. For Christmas this last year I got a Coolscan IV (LS-40). All I've got to say is wow. The image quality is great.
However, be prepared to spend some time regardless of film scanner to just doing the scans. For me, its about 1.5 hours per roll of film just to get the basic scans in. If I have to do any color touch up, cropping etc, add another hour.
For that reason, a D100 or D1x is on my dream list. I really think that I will always have a place for film (weddings and formal portraits), but there are many places where digital will become the prefered medium. I can't tell you the number of times that I wish I could have seen what I shot before I loaded up and left.
I share your dilemma, but for me the solution is to save my bottle caps and get a D100 (or if I'm REALLY REALLY REALLY good, a D1x).
If you give up liberty for safety, you probably won't have either in the end