Well some people say SLI/Crossfire is a waste. I'd say what resolution do you plan on playing at? Also whats your budget?
If 16x12 or under you would be well served by a higher end single card.
If resolution above 16x12 I'd say why not SLI/Crossfire. It will help maintain high settings at higher resolution even if the performance doesn't scale perfectly for what you might expect out of 2 cards.
If you go for a single card ATIs solutions are a little more powerful for the $ usually. Last week I might have said get a single 1950xtx but this week I'd say go for the new 8800GTS which is fairly close in cost and beats in most benchs plus has dx10 for future proofing.
Ok SLI vs Crossfire:
Nvidia still has slightly better support and scaling in most games than ATI does.
Depending on your budget if you could find 2x 7900GTOs they are a good price/performance for the last gen cards. If you want ATI even tho Crossfire support isn't quite where SLI is then 2x 1900XTs would be good performance for little bit more cost.
I wanted to answer your questions best I could but my personal choice at the moment, especially since you are willing to at least pay enough for 2 cards. I assume you could afford one 8800GTS?
I would buy either a single GTS or if you can swing it go for the 8800GTX. This all assuming you need it now or in the next couple weeks.
My reasons being that even at low resolution (I game at 1280x1024) the GTX might seem overkill but I think it will level out once games like crysis hit next year. The GTS is a good card if you can't swing $650 and you can always add another GTS later on for an added boost. If you do game at high res I might really push for the 8800GTX tho.
I know at the end I'm leaving the decision up to you but those sound like sound options imo and its how I look at it based on what I've seen.
EDIT: forgot to answer a question. As to when "affordable" DX10 cards will be out? Well you gave no budget and everyone has a diff opinion of affordable. I would "guess" Nvidia will come out with other levels of DX10 cards either right before or about the time of the ATI DX10 release which is widely expected to be in Feb. 07. Hope that helps