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Find an interesting subjects... or at least ways to make the photographs you are taking interesting. With every day objects maybe do extreme close ups etc so you cant tell easily what it is.
Only you can answer that mate, and I think by asking it you have answered your own question.
I looked at lease deals, but for me when i got my car buying was the best option.
One thing to look out for on lease deals is whether or not its a maintained deal. Maintained deals include everything...
I would imagine, however I dont know as I am not familiar with current Nikons, but that quality of glass in the Nikon would be better. Justifiably more than twice the price? Personal opinion tbh.