Basically it was World of Warcraft. I started to play it on my pos machine and was hooked. But i hopefully would like to play games like battlefield 2142 or LOTRO. Building it myself may be cheap but if i screw it up (which is likely) it would cost more to repair right? Also there is a store in my city called SWS that has prebuilt systems that look good.
http://www.shopsws.com/Pre_Built_Systems.htm Multi Option 3 and ill add more ram and a Geforce 7600 or 7900 GT later. This is a tower because the laptops don't look good in my opinion.
WOW is not a game. Its an addiction.
As an ex-WOW addict, the good news is you really dont need a top end rig to feed your habit. 2gb of ram is a must: but going down an expensive dx10 card route is not a necessity. On the other hand, you'd prob be shooting yourself in the foot if you didnt buy a dx10 card now, so I'd have one on the list. Especially since you also mention LOTRO, which has a much higher demands of the gpu, as I understand.
As for build/buy, well youv'e come to the right place. I can give you these reasons for building:
1. Better value for money. For a top end gaming rig, you will save yourself 20-40% or your money depending on who you buy from.
2. Complete customisation. OK, theres a long road of research, knowledge to be gained and opionions to be sought. With self-build, you can end up with a pc built to your exact requirements. Luckily you found the right place. Read up- there are many people that came here with the opinion and have successfully self-built.
3. Satisfaction. I can't stress this enough. Once you succeed (which you will), you will get a massive sense of achievement. You may even get a skill / interest for life.
I can think of these reasons not to build:
1. Money is no object- so your not bothered about saving any.
2. You may not save money 1st time round. You are right- you could kill a motherboard / ram / even cpu & there goes your savings. But, if you reasearch, follow guides & instructions that you find on here- the probability of that happening is reduced massively. Take your time over it, and stop by here and ask questions when you need to.
3. You have no interest in what goes on inside a pc. I can't really do much about this one- if you don't like em, just buy one. Simple as.