First off, Welcome jeustace!
And yes you did bark up the wrong tree! There are so many 24-70 vs 24-105 debates here! Just joking!
It's a tough one to decide, but obviously depends on what you plan on doing more of.
If you plan on being indoors more often then the 2.8 may work better for you than the 4.0. If you however plan on getting a flash as well then perhaps the IS and extra range is worth the sacrifice of one stop. If no flash is in your future and you plan on being indoors often then I would suggest the 24-70mm just for the additional stop.
My 2cents.
Cheers,
Mike