BGN stuff is usually okay but ievitably has some flaw. Sometimes the flaw is annoying, and sometimes it's no big deal. Occasionally it's fatal (like the F4S I bought that killed a set of batteries in two days unless they were completely removed from the camera
).
On the other hand I've had exceptional luck with EX-rated stuff, like my own F5 (I bought a "non-US" one since I don't care if Nikon USA will repair it; I don't live in the US) and my Bronica SQ-A.
I'd recommend the EX-rated body. However, if you don't have any Nikkors you might be better to spend your $400 on some good lenses and a basic body (there are lots of good AF Nikon bodies for well under $100 that will make nice second bodies for you later when you finally get your F5). While I think that bodies are important, for the most part glass is more important.