OK, first off, if you buy either of the two camera bodies you mentioned in your first post, they come with a kit lens which is a zoom. Secondly, on a digital camera, because of the 1.5x or 1.6x factor, wide angle lenses do not have as wide a perspective as they do on a film 35mm SLR. Nikon does make a very nice 35mm f/2 lens which is more-or-less equivalent in its perspective to the 50mm lens on a 35mm film camera. Both Nikon and Canon have inexpensive 50mm lenses, too: f/1.4 or f/1.8. On a digital camera, though, these lenses are more like 75 mm. Keep that in mind when buying a prime lens that was originally designed for use on a 35mm film SLR.
Next, a caveat about the D40. It is a fun camera, and it is a nice step up from a P&S, however, because it does not have an internal motor drive, it only autofocuses with Nikon AF-S lenses (or some of the Sigma HSM ones). Those lenses have a motor within them. (AF-S means "Autofocus Silent Wave") All other lenses, whether they be autofocus or manual focus, will need to be manually focused on the D40. Not a big deal if you just want to use, say, the kit lens and the 55-200mm VR or maybe the 18-200mm VR, but there are not that many AF-S primes (yet). So, for instance, you mentioned a 24mm lens. Nikon has a nice 24mm lens but while it IS autofocus it is not going to autofocus on the D40 because it is not an AF-S lens. Nikon does have a 12-24mm AF-S lens, but it is fairly pricey.
You're interested in macro.... Nikon has a dandy 60mm micro-Nikkor (macro), but again it is not going to autofocus on the D40. However, a lot of times one ends up manually focusing when shooting macro anyway, so that may be a moot point.
The bottom line here is that if you are interested in being able to grow into photography and being able to buy various prime lenses (which sometimes can be less expensive than zooms), you should rethink that D40 idea and instead look at the D50 (if you can still find one) or the D80. Either of those two bodies will work with all autofocus lenses, whether or not they're AF-S. The possibility of purchasing older, gently-used lenses comes into play, too, when using one of those camera bodies. Some photographers who already have an extensive lens collection as well as other camera bodies have picked up the D40 for use as a fun camera in lieu of a P&S, and some people moving up from a P&S who have not had any previous experience in shooting with any sort of SLR tend to purchase the D40 and the 18-200mm VR (or use the kit lens and also add the 55-200mm VR) and never change lenses. If you are looking to learn and progress in photography, I would not recommend the D40, especially if you're interested in shooting with wide angles and primes.
Oh -- almost forgot -- about aperture. A "fast" lens is a lens which has an aperture of f/1.4, f/1.8, f/2, f/2.5 or f/2.8. The value of such a lens is that one can shoot in low light, and one has a larger lens opening to see through when focusing prior to making the actual exposure. These lenses are usually significantly more expensive than lens with apertures that start at f/4, f/4.5, f/5, etc.... Most of the "consumer" lenses are slower, especially the zooms. However, often you can pick up some pretty fast little primes for significantly less money.
I think you need to visit a brick-and-mortar camera shop and play around with the different cameras and lenses, explore the options, talk with the sales associate and ask a lot of questions.... Also, in the event that you're thinking of purchasing online, BEFORE you press that "submit order" button, check out the seller at
http://wwww.resellerratings.com and run a Google search.... There are a lot of dishonest dealers out there offering what seem to be really good deals -- deals that are too good to be true. And they aren't true....