Hi Jim. I sense that your real concern is in missing shots that would take a different lens than what you have mounted, that you are looking for a lens that would capture a wider variety of shooting circumstances.
I faced similar circumstances and casted about for a solution as well. Although I have wide-angle, normal, and telephoto lenses (all zoom) that covers the range from 11mm (18mm FFE) to 300mm (450mm FFE), I was still stuck with the wrong lens at times and missed opportunities to get some really great shots.
In the end I settled for a second camera that I could grab and shoot as fast, and sometimes faster than my DSLR. The Canon SX40 seems to have better low-light sensitivity and image stabilization than my Nikon D3100 and several features, like Auto-Bracketing that are not on my primary DSLR, but the biggest benefit I've found so far is that I can shoot from 24mm-840mm (FFE) by just zooming. If I have the time, I can still switch lenses on the DSLR but now I don't miss the shots.
What about image quality? All of the images I shot between post # 69 and post # 96 in this thread Project 52 by Frank Miller were done hand-held with the Canon. Although it won't fit everbody's needs, I provided me with an effective solution to this and several other issues for less than $400.