Sorry for the loss -- that really stinks. Regarding the 18-55 VRII, you should be able to find that used for less than $150. Don't let used lenses scare you, just make sure the seller knows what they're talking about. Tamron or Sigma make a faster version of that kit lens, but they are more expensive. I'm a flower shooter (about 90% of what I do), and I use a Tamron 90mm macro G2. Once you use the macro lens, it's tough to go back to a close focus, kit style lens. I have a Nikon 24-120 F4, and while it focuses reasonably close, the level of detail shot wide open on the macro lens -- smokes the kit lens at any F--stop. If you are exclusively a tripod shooter, I see a lot of flower shots on the photo sites (500px, etc.) with people using the Nikon 55-200, and a close-up filter. They get nice detail, and some magnification, too. I shoot more artsy macro (sharp in the middle, blurring out to the edges) so a macro lens wide-open, to maybe F5.6, is all I ever need.
Good luck!