Mike:
I can sympathize with you, having observed the same thing with my students when I taught photo during grad school.
First, what you do for relaxation needs to be FUN! For heaven's sake, take some vacation. They will get along just fine without you for a week or so.
You have a D50...so do I. My lenses are not the gee whiz ones, A 50 mm f/1.8, which becomes a 75mm equivalent short tele on the D50, a 20 year old AF 70-210 4-5.6, (300mm+ equivalent) the 18-55 which came with the camera, and the 28-105 3.5-4.5 macro. All by Nikon.
A selection of relatively pedestrian lenses, but very adequate! The "gee whiz" Loong or large aperture lenses are nice, but not necessary!
Any camera and lens today, if in good condition, will take better pictures than 90% of us are capable of. Your D50 is better than most.
Now....and we all are to some degree....don't be aftaid of your camera! I have a nephew who has a brand-new Nikon D300. He was at my son's wedding, and I asked, "Whatta you got?, as I opened his camera bag, took out the body and lens, removed the plastic factory bags from them, and set it up. He nearly had a heart attack. "You're HANDLING my camera!" "You got it, dude... It's a nice one!"
His wife said he had just left it in the bag, except for short fondling episodes. (The camera, I think!) I hope the week end changed that.
Why that is:
We're afraid of the beasts! Yes, we are. Due to competition, the manufacturers cram more capability into their products. Every digital camera will do stuff that even the pros don't know how to make them do, or need them to do, for that matter. There is so much that it becomes confusing to both sides of your brain! That is called Brain Cramp! Avoid it like the plague. Thoreau said SIMPLIFY! What is it you want to do with your camera? Learn the program/setting(s) that will do that, and when you think you'd like to do something else, learn another. Ignore the confusing stuff. It will come later, as YOU need it. If you never need it, don't worry!
Full auto or P will do all you will ever need, but where's the fun in that? The pre program settings are marvelous, but it is helpful to know how to use Manual mode.
First, get out, and take pictures. Look at the LCD screen, see what you like, then do it again. Change what you don't like, and remember what you did. At home, Near home, wherever you can, so you can answer your job necessities.
Security! Don't be "flashy" with Logo stuff that screams CAMERA! STEAL ME! A diaper bag comes to mind.
Now, a camera is only the housing for the imaging equipment. Film or digital sensor. Learn the basic controls, and remember where the reset button is. it The lens is merely the means of projecting the image onto the film or sensor. That's it. YOU create the picture!
Now that we have that settled, It is all about light. If there isn't enough light, leave the camera in the bag till there is. (The sun rises, or you find your flash.)
Three terms you must come to terms with to even start to understand the magical process we call photography.
1. Film speed, ISO, sensitivity. That is how sensitive your film or camera is to light. Low number, 100, 200, general, sunshiny photos. High number, 400-800-1600+ ,more sensitivity, but more grain or "noise". D50s do well with even high ISO numbers. Set yours manually.
2. Shutter speed: Controls the duration of the exposure, and stops action and camera shake, in all but the worst cases, and you know who you are.

Rule of Thumb: Non-IS lenses: shutter speed no less than the longest focal length of your lens. 50mm=1/50-1/60 sec. 300 mm= 1/400, or 1/500 to be safe, but if you are 22, with nerves of steel, and ice water in your veins, maybe you can squeak by at 1/250.
3. Aperture, or f/stop. It's all very complicated, but in a nutshell, small number, say F/3.5= large opening of the diaphragm, (the little thing inside the lensthat is segmented and has a hole in the middle) and a large number, like f/22= a smaller hole in the diaphragm. This controls the light that strikes the medium.
4. I lied. There are 4. Depth of field. The distance of acceptable focus on either side of the real point of focus. It generally extends from 1/3 in front of the subject to 2/3 behind it. The Depth of field preview button never helped me...all that happened was the screen got dark. DOF is governed by the focal length of the lens. Wide angle lens= wide depth of field. Telephoto= narrow depth of field. This is very hard to see with cameras, and experience is the best teacher, here.
Picture exposure as a hot dog.
ISO is the size of the 'dog. The whole hot dog represents proper exposure. The right side of the wiener is the aperture, and the left side is the shutter speed. Proper exposure is anywhere along that wienie where the shutter speed and aperture combine to provide the necessary light. If you adjust the shutter speed slower, towards the right end, the aperture needs to move toward the right, becoming smaller , to compensate for the increase of exposure caused by slowing the shutter speed. But, it must happen within the confines of the wiener, else funny things happen to our pixes.
Faster shutter speed=less light: needs more light for proper exposure: larger aperture necessary. The reverse is also true.
Using the D50 in manual mode will teach you the basics in a short time.
Learn you camera's basic controls, then use some simple things to experiment with light. A sculpture, like a ceramic bust will do, or a geometric form, like a box or ball. Styrofoam craft objects would be good. Get something as simple as a flashlight, or a 60 watt light bulb in an extension cord socket (trouble light?)and study the effects of various light directions and intensities.
Depth of field? Find a picket fence, or set up a checkerboard, focus on the center, and study the effects of different lenses and aperture settings, focusing on the center of the board. This is all applicable in the real world.
Did I mention, take pictures, look at the LCD, adjust, then write down what you like, so you can do it again, later?
There are a couple of books, probably out of print by now: Photography for Dummies, (not digital) and one called Photo School. A visit to your library might find you a good, basic photo text. Remember, the easier the better. Sometimes good enough is good enough! You can't learn good, basic photography by reading the popular photozines. They think all their readers are decades beyond that. And we are not!
Well, I seem to have written a book again, and don't know if I have helped. I hope so. It is hard, not knowing how much of the basics a person may understand, and I hope I have not assumed too much. If so, apologies!
Keep at it, and it will get easier. Guaranteed. Welll....most of the time, anyway.
I have been trying to match the black and white flesh tones Peter Gowland achieves for 50 years! Oh, yeah, MERRY CHRISTMAS!