Well, I completed my first game. Whew!!! Simple one.. but learnt a lot.
Based on the available tuts over net, I managed to add:
Ocean [ Shaders ]
Collision detection [ Custom, no 3rd party engine ]
Cameras and lights
Skyboxes etc etc
Then I downloaded some XNA engines available over the web and discovered that in essence -
I had created my own mini - game engine!
I plan on posting some source-code and useful stuff when I find time. Right now I'm thinking of creating a Racing game.
NFS: The most painful thing in game-dev is debugging.