However, when looking at a photo, the blur will appear 1.5x greater on a photo produced by the D200, but we're talking about good shutter speed, which is really related to optics and geometry, not the photo produced. This is why I said the "crop factor" is introduced only after you take the photo.
The word "crop factor" in itself is deceiving, and is why people don't really understand it.
It is you though, that does not fully understand it...
"Good shutter speed" is in DIRECT relation to the size of the actual captured image, in the "rule of thumb" we are discussing.
This rule of thumb is about focal lengths as we understand them on 35mm film. Not on large format cameras, not an APS-C format film.
Image circle has totally nothing to do with it. You can make the image circle as big as you want, it will not make a difference to the photo. Not in camera shake, not in depth of field, not in magnification, the only influence it can have is vignetting.
Only 2 things are involved here. Size of the imager (sensor or film) and focal length. Nothing else (besides of course the weight of the lens, but the rule of thumb does not take that into account).
Hmmm... size of the imager... HEY.... that is our "crop factor".
Size of the thing that records light from the projection made by the lens.
And the projection the lens makes is directly caused by.... the focal lenght.
This is what focal point means. The point where the rays of light all cross in the same point in front of the projected image (sensor/film).
And how wide the resulting photo is depends on how wide the imager is.
A 35mm lens on a compact digital camera will not produce a wide image at all, it will be very "tele" in fact.
A 35mm lens on a 35mm film camera will produce a slight wide angle photo.
A 35mm lens on a APS-C digital SLR will produce a "standard focal length" photo (like a 50mm lens will do on a 35mm film camera).
A 35mm lens on a large format camera will produce a very wide photo.
All you need to do is to adjust the image circle, because if you don't the large format camera would vignet something fierce, and the compact digital camera would be needlessly heavy and big. And you see this happening with APS-C SLR lenses too.... the Canon EF-S, Nikon DX, Tokina DX, Tamron Di II and Sigma DC lenses all have reduced image circles, and will produce heavy vignetting on a full frame 35mm camera.
Now back to camera shake!
If I look through my camera (an APS-C crop factor DSLR) at my Sony Playstation 2 over there (pointing at the playstation 3 meters away), with a wide angle lens(lets say 20mm), I will see a tiny PS2 in the "image". Now if I stay put, and put on a 200mm lens on my camera, and look at it again through the camera, I will see the PS2 fill the entire image.
If I happen to move the camera slightly, the exact center in the lens system that is pointed at the PS logo may be moved a tiny bit... camera shake. Lets say it will move 0.5mm to the left (measured on the logo itself) during the exposure time.
On the wide angle photo... the 0.5mm movement of the logo will hardly be noticable. On the 200mm tele photo however, the 0.5mm movement on the logo, that gets totally enlarged, seems huge, and gives the photo a soft and blurry character.
Now THIS is what the rule of thumb is about. The movement of the logo stayed the same (0.5mm to the right, because my camera moved to the left), but what makes it appear on the 200mm photo and stay unnoticed on the 20mm photo is the fact that the actual resulting image enlarges the subject (and hence, the movement of the subject in relation to the sensor) at 200mm, compared to the 20mm photo.
The rule of thumb is about how much the movement of the subject in relation to the captured image shows up in the enlargement factor. And that is why the crop factor is very important and needs to be taken into consideration. So yes, 200mm becomes 320mm with a 1.6x crop factor camera. And yes, the rule of thumb tells you to then not go under 1/320 sec for best results. And yes, this also applies to cameras with even wayyyy smaller sensors.
Take for instance a Canon PowerShot S3 IS. What lens does it have?
A 6-72mm f2.7-3.5 zoom lens. Wow. On a 35mm SLR... that would be ultra mega turbo wide to portrait range. Pretty excentric and specialized!
But when you actually USE the camera... HUH? what happens. You don't GET ultra mege turbo wide at all. And the long end does not really behave as portrait range either... its magnification is wayyy too big for that, and its tele distortion is also very big (shortening of distances).
So, how can that be? Because... it has a 6x crop factor sensor, that is how.
And that makes the lens into a 36-432mm lens in 35mm equivalence (6x6 = 36, 6x72 = 432). And what about the rule of thumb about camera shake and focal length... can I shoot it at full tele at 1/70th of a second and hope for sharp photos? Not really... actually 1/400th of a second is a better idea. (This is disregarding the fact that this camera has IS to help you with lower shutter speeds, of course).
And the same goes for cameras with bigger than 35mm imagers. Since the rule of thumb is about 35mm terms and measures... you have to calculate the 35mm equivalent first, before you can use it in refereence to its lens' focal lenght.