Its not substandard though, its set to a default of everything at 0, so its the basic info from the sensor with minimum adjustments. If you want different results, you have to change the way the camera processes them (this is not enhancing) so that it does it how you want.
*digs into cupboard to find a d40 (Theyre pretty much the same camera)
Ok, go into menu, then optomise image. go to custom and set it up how you want. I.e +1 sharpen + 2 tone and max saturation.
This should give you punchier results then leaving it at standard.
Then whenever you take a photo the camera will apply these settings to the picture when converting to JPEG rather then the basic plus 0 of everything. (Note, that this is not an image enhancment as you describe it, its just changing the processing)
Compact cameras are set up to take images straight off that look instantly pleasing to your average joe. DSLR's however are set up at first to a mid point, which then expects you to play around and to optomise it the way you want.
Personally, i shoot in raw, so that I have full control over how the picture gets processed, rather then leaving it down to the camera, and I always got good results with a d40, and continue to do so with a d200. so you may want to go down that route if you're more serious.
I'd have posted more of a variation, but my deviant art wont let me past the first pages :s But I hope I got the point across that you can process the images the way you like them, I personally quite like contrasty yet mute colours.