Thank you for all of your input. I left out a tidbit of information : I did just buy a 580ex ii flash from ebay and I should get it within a couple of days.
As far as full frame, yes I plan on getting one within the next two years therefore I'm staying away from the EF-S lenses.
As much as I take photos around the house, I also take pictures outside - portrats, landscape, and nature.
I like what was stated above "IS stabilizes your camera and not your subject". That statement alone makes me think that the 24-70mm is the right choice, but boy do I wish it had IS.