What are you going to use it for?
Browsing at home is different then gaming... Photo/video editing is different then both of those...
We need to know the intended purpose to make sure to match the components with your needs.
You would be better off building your own PC, as both of those have processors that are way to much for the GPU choice as well as to much RAM. By building your own you get customization like no other so you can get the most of your budget. Not to mention those are really just companies not actually people on ebay.
Guessing that gaming is what your after. Neither of those are ideal. You don't need over 8GB of RAM. They are throwing in 16 for oohs and awwws. The gpus are crap. a 640 isn't going to give an overall good gaming experience.. SSD's DO NOTHING to improve gaming performance. They are a luxury that speeds up load times. (boot, loading apps etc.) The 3570k Proc thou is a good gaming chip.
It really depends on what you want to run on the PC. If it is gaming you are after then you should try to invest in a decent graphics card. Neither of the ones suggested are brilliant but the second one is better than the first. As said, what are you going to use it for?
I wouldn't say never buy complete PCs - but do your research into the quality of components being used. If they're claiming a 6670 is a good gaming GPU, they're wrong. Completely. But I do agree that building your own will cost less and you'll get better quality components out of it.