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The 2 lenses you're considering will last a very long time so I don't see them as a waste of money. Don't skimp on lenses. Just, don't skimp on lenses. However, both of those zoom lenses are very slow, obviously very fast for zooms, but still slow for their respective focal lengths and you will almost certainly find this limiting at some stage. I would suggest you pony up for a 50/1.4 or similar such as 35/2-1.4, 85/1.8-1,2 or something with a bit of speed. Such primes are not a replacement for the 2 zooms you've listed and each has it's uses.
On the other hand the body will be worth next to nothing in a few years so maybe you should look at getting a second hand one to save a few bucks, or maybe even a 5D2 or 6D. It almost doesn't mater in comparison to the lenses as you can always upgrade the body and you almost certainly will.
I think FF is the way to go for most photography aside from sport or other specialised areas where a small sensors greater depth of field can be a benefit, but it all depends on how you like to shoot. I'd be shooting on 10x8 if I could.
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