A DSLR is like anything else - rubbish in rubbish out. The end result depends on the skill of the photographer, much the same as a skinner using Photoshop. If you can't make graphics, buying Photoshop isn't going to help...
What a DSLR does do for the skilled photographer is not get in the way of creativity. How many times have I in the past seen a great photo, only to miss it due to equipment limitations? With a film camera, many, many times. A 'point and shoot' would do the same.
With my Nikon D-300 I can tackle most things without worrying about equipment limitations. And referring back to the article, the D-300 has automatic sensor cleaning. I change lenses over and over, and never in 18 months of ownership have I had a single speck of dust. My old D-70 was prone to dust problems, but still churned out great looking pics. If you take a look in my gallery you will see many photographic wallpapers all taken with the D-70.
I also wrote an article about lens resolution on DSLRs: http://fuzzylogic.wincustomize.com/Articles.aspx?AID=141240
Don't believe all you read about more pixels = more resolution. Ultimately any camera will be limited by the quality of the lens, and this is where your average 'point and shoot' will let you down. You might have massive megapixels but that 'do it all' lens is a series of compromises.
For the casual photographer, convenience is more important then anything else however. If your camera gives you great holiday photos without any fuss, what more do you need?