Thanks so much everyone for the quick and helpful replies. I think I have it sorted out now. I definitely had things mixed up with regards to in camera image stabilization and as Scott mentioned, I was probably getting it mixed up with the IF (internal focusing) which is what I do not have in the Nikon D3000.
Generally speaking I just want to get better sharper pictures but I don't have a lot of money. My plan was to start with lenses (and I really liked the idea of the 300mm prime for bird shots this winter) and upgrade the camera later. I thought I needed VR lenses with the D3000, but got myself confused when I started researching. Now I realize that it is not VR/IS that I need it is IF. I get so confused with acronyms.
Anyway, now that you have helped me out with this, it's back to the drawing board as to how to distribute the funds. I think in the long run I am better off at this point upgrading the camera. I can't shoot above 400 ISO with the D3000 without introducing a lot of noise in shadow areas and cropping very much is out of the question. I'm not up for the expense or extra weight of a fast lens, so it seems the best option is upgrading the camera and I think the D90 or D7000 would both give me some extra speed, and also more and hopefully less expensive lens choices. If I can shoot at higher ISO's then
maybe? I can get by without the VR, but I suppose I might have to reconsider the 300mm without VR regardless of what camera I end up with because of the focal length. I will definitely try it out first and see what kind of shots I get.
So... points for me to remember:
VR/IS is in the lens and may or may not be required depending on shooting conditions, but certainly expands the possibility of getting better shots under more conditions
IF (internal focusing) is not present in the D3000, but is in the D90 and D7000 (among others) and this is where the extra lens choices come into play.
I think I have this straight now, but PLEASE if I'm still mixed up let me know. I might be embarrassed but I won't be upset
Also, if anyone has any opinions on the D90 as opposed to the D7000 with regards to Dynamic Range and high ISO performance let me know. I think either will be better than the D3000, but I'm not sure how much better. The reviews seem to favour the D7000 which I suppose they should, it's 400 dollars more. If I had a million dollars the choices would be so easy.