8.2MP or 10.1MP, doesn't matter. Only reason you'd need higher resolution is if you want to do large prints.
That said, I'd still go with the Rebel XTi. I've got one and have thoroughly enjoyed it. Shooting at night, the noise at 800 or 1600 ISO doesn't leave very many usable photos, but no entry-level DSLR is going to be much better than the other in that area.
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