CriticalError :
I was A+ many years ago, but I have not opened a computer in anger since the dark ages. I am not a gamer and the heaviest thing I do is spreadsheets so I know I am going with a little overkill but I am looking at 2 Dell systems.
1. 750 - 8 ram - 1TB HD - ATI Radeon HD 5670 and 20" monitor for $1100
2 860 - 6 ram - 750 HD - ATI Tadeon HD 5770 and 21.5 monitor for $1180
Also do you consider it wise to wait to the end of the quarter to purchase? Am I wrong in thinking I can't get this built cheaper locally? Is it worthwhile to go to Windows Ultimate over Home Premium, and since I only use Word and Excel, is the starter Office sufficient?
Notes:
1. Both of those are very capable processors. Despite the big difference in nomeclature, the only difference between the two is that the i7-860 is clocked just 140 MHz higher. Go with the i5-750 if it costs you more than $20 less than the i7-860.
2. You really don't need more than 4GB of ram for productivity work, and that should never change. You won't see any difference from adding more than that; any additional memory will just sit unused.
3. It won't benefit you any to have the HD 5770 instead of the HD 5670. Both have the same decoders for video so the GPU itself isn't stressed very much by processing even HD video. Unless you are rendering something the difference in performance won't matter.
4. A 1TB hard drive will actually perform better than a comparable 750GB or smaller hard drive. The platters are more dense, and data isn't stored as far apart physically.
5. In general productivity you will see more benefit from a solid state hard drive (SSD) than from a slightly faster processor (faster loading times, snappier in general).
6. There are few differences between Windows Home Premium and Windows Ultimate. I highly doubt you would ever notice a difference or need a feature from Windows Ultimate.
7. The prices you find locally will probably be similar to what Dell is charging, but I agree that you could get a much better deal if you can build the computer yourself. Aftermarket components are much higher quality than the generics ones dell uses and allow for upgrades later.
8. Intel is shipping their latest architecture "Sandy Bridge" Q1 2011. It appears to be a more of an incremental improvement than the last couple were; a performance increase of ~20% is expected for low to mid range processors. Higher power integrated graphics will be included in all of the new processors including the replacements for the processors you are looking at. If you waited and bought a "Sandy Bridge" processor, you wouldn't need a dedicated graphics card like the HD 5670 and HD 5770. Current generation dedicated graphics cards like those two will still be considerably more powerful than Intel's integrated graphics, though.
9. It isn't very hard to build a computer yourself. There are guides on this website and all over the internet (you can even find video guides). High end components include complete instructions for how to install components and to first start up the computer.