I have nothing bad to say about Dell's products.
Most people's problems with Dell stem from their struggles to maintain good customer service.
See... ALL computer brands are going to have defects. It's just a matter of fact in any manufacturing process. Things go the slightest bit out of tolerance and VIOLA... a graphics card that only has half the expected life span.
With MOST of the companies where you pay extra you are paying for the fact that they have much better controls and testing in place to catch more of those defects than the less expensive ones.
Sure, sometimes the same machines roll off the same lines. You will still see the higher standards expected from the more pricey names. (my wife worked in a circuit board production facility once and HP would let anything through whereas say, Sony would reject stuff for the slightest flaws)
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Really what it boils down to is:
Do you have the time to do the research or do you have a friend that is into all that stuff and can point you in the right direction?
If not you may want to go ahead and pay extra for the top of the line product with top of the line support. Otherwise you could possibly end up with a lot of down time and a lot of headaches.
Since you sound like money is an issue (and of course it is... even the super rich are frugal) it may be worth it to you to read up on stuff and learn the basics to build your own system.
The actual assembly is VERY easy. Just be careful and observe all the precautions (there are 100's of magazines and websites and books out there that explain them) and physically putting the pieces together is really the fastest part.
The nightmares will begin with compatibility issues. Those are the things you need to read up on the most so that you will not end up with $2,000 worth of SWEET components that are basically useless to you because they don't play well with each other.
"Will this motherboard support the graphics card I want?" "Will it support the memory I want in it?" "What are the upgrade potentials for this motherboard?" etc... THOSE are the questions you need to know before you make any purchase.
Don't forget to look at OS and software issues. Things like... Windows Vista. Do you want Vista? Because like any new OS from Microsoft it's still really buggy. Honestly, I wouldn't want Vista right now unless it came on the machine. At least that way I know the manufacturer at least has the correct drivers for it (for the time being anyway).
I could go on for days... LOL
As much as I hate my HP's they are way more stable than the last two machines I built

I tried to buy discount parts and they've been nothing but nightmares from the start. Sometimes the phrase "you get what you pay for" really comes back to bite ya in the rear!
