Hi Floyd:
You are asking for opinions of course. The following is only my opinion!
I went through this mental exercise two years ago. I determined that for me, the best bang for the buck was a Starlight Xpress SXV-H9 (monochrome). It is extremely low noise, and has small pixels that match well with my refractor. The cost was/is about $2800.00. That is plenty of ouch of course, but a lot less that the large format cameras from SBIG, Finger Lakes etc. that I lust over.
What really sold me were Adrian Oradean's images taken with this camera. They are in the Anacortes Gallery here:
http://www.buytelescopes.com/gallery/customer_home.asp?c=27279
I think Adrian's images are about as good as it gets with moderately priced equipment. Talent really does matter in this hobby. His skills allow super bang for the buck.
I am happy with the SXV-H9. Some of my better images are linked to my profile. (I'm working on a couple of good ones right now.) Still working up the learning curve!
Some day I will own a large format camera though. I'm just waiting for those prices to come down even more!
Jim