Hi Bruce,
FF is definitely not over anyones head. In the past, when people bought an SLR film camera it was called a 35mm camera which is what FF is. The 35mm sensor set the standard for the film. Now with the new digital cameras we aren't limited to 35mm film anymore, so it's easier for the companies to produce smaller, less expensive digital cameras with crop sensors. Another advantage of a crop sensor is that it allows for longer reach of your lens, so you can shoot from farther away with the same lens. A 100mm lens on a 1.6X crop camera will shoot similarly to a 160mm lens. The same 100mm lens on a FF (35mm) camera will shoot at 100mm. Photographers that shoot wildlife and sports from far away prefer the crop sensors for the further reach.
The effect of the crop sensor is similar to how we used to blow up photos to be larger during developing. The down side of the crop sensor is that it is smaller, therefore it will capture less light than a FF sensor. When you capture less light without a flash, in light limited situations (your house) then you will have more noise in your images, which is not desirable, similarly to when a photograph was blown up to larger size, it became grainy. You don't need the reach of a crop sensor camera, but you will be penalized with the greater image noise in lower lighting. You could also buy a flash and/or a more expensive faster lens, with a larger aperture that will let in more light (example 35mm f/1.4). I'm not a big fan of flash for babies and there is also an additional learning curve to allow the flash to look natural, as well as avoiding red eye.
So, FF cameras are more expensive, they let in more light which provides for higher quality images in lower light situations and they have less reach.
You don't need the reach, but you could benefit from letting more light into the camera. So, it comes down to price! Is FF necessary for your needs, no, not really, but if you have the money to spend and you like the best of the best, and you see yourself pursuing this as a hobby into the future then a FF camera could be a good choice for you. Also keep in mind, that many professional photographers use crop cameras all of the time, and they can produce excellent results. You should also be aware that there are less expensive crop cameras as well as more expensive crop cameras. The Canon 5D MKII which is full frame starts at around $2000, the newly released 5D MKIII is around $3500 probably cheaper on Amazon, and FF can go up to $7000.
You will first have to decide which camera you want; Crop vs FF, before deciding on a lens, because as I mentioned the sensor size will affect the field of view that your lens choice will render.
Rich
Edited: Canon will be having a photography convention around September, called Photokina. They usually announce new products at these events. There is some talk that Canon may introduce a less expensive FF camera in order to compete with Nikon. So, if you're not in a rush, I would wait a little longer before making a decision.
Edited-Edited: I also added info about a flash. Also be aware that most photo editing software can also remove noise in the images.





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