To start I'm not looking for the best gaming computer out there. It will be used for mainly every day use online, microsoft office, and the occasional online game.
I'm just trying to figure out the downfall to any of these products and to make sure i picked the right ones and will work together. I will be using Xp.
You are paying a high price for the off chance that you would need to return something. Newegg also does returns...but you have to pay postage. But the parts I recommended you are pretty reliable and there is a very slim chance you would need to RMA something.
Yes just changing the CPU would be a huge improvement.
Just to show you the differences in price, here is the same mobo you picked at Newegg. But I think you should go with the one I found . One of the selling points of this board is that it has onboard video, so if you were building a computer that wasn't going to be used for gaming, you wouldn't need to buy a video card. But since you want to play some games, you will need to get a card, so why should you pay for onboard video when you are just going to replace it? Another selling point is that its a micro-atx, so it will fit in a small case. If the small form-factor isn't a big deal to you, then you should get an ATX board. http://www.newegg.com/Product/Product.aspx?Item=N82E168...
That CPU is decent, but the other one I linked runs on a more efficient and faster processing chip, and it runs at a faster speed on top of that. If you are the kind of person that always has 3 or 4 programs running at the same time, then the triple core would probably be better because it has more multitasking potential, but for games and if you just are going to be running 2 or 3 programs, the dual core that I showed you is better. Plus, I don't know if this would interest you, but that dual core is made to be overclocked, so you could easily push it to higher frequencies and get much more out of it than you could on that triple core CPU.
Integrated video is good enough to run simple applications like web browser, MS word and other productivity programs, but not much more. You could play older games like Diablo II and maybe warcraft III (not WoW). Anything more intense than that, and you will need to get a separate card for your video.
A graphics card will give you the option of playing other games, so its nice, but it doesn't seem necessary for you. And if you dont buy one and it turns out that you do need one, then you can buy on and put it on later, its not really that big of a deal.