Inexpensive Options for Desktop Gaming

I created a different thread because I wasn't sure whether to go the laptop/desktop route, but I decided to go desktop. I'm wondering if someone could look at three options I've found and give me their opinion. I'm not totally opposed to building a PC, but would prefer to find something prebuilt that seems to fit my needs. I'm not trying to find something top of the line that will run all the latest, just something that will run somewhat newer games satisfactorily (I think I made that word up) on decent settings. I don't want to spend much more than $500 something, although $400 something would be great. I know this is probably asking for a lot. Specifically, I'm buying a desktop for Guild Wars 2, so I would like it to run that well. (Doesn't have to be ultra settings, of course.) Since I will then have a desktop, it would be nice if it could run games such as Skyrim, Second Life, and perhaps the Witcher (+2) as well. I'm not sure what else I would like it to be capable of, as I haven't kept up with PC games, but something in this range would be great. The three computer's I am wondering about are:

1) with this card: Total about $450.

2) with the GC changed to ATI Radeon HD 3000/4250 FULL HD 1080p 512MB DVI/VGA/HDMI PCI-Express Video Card, + OS, cheaper case, for $488.99. (Could add 4 more gig for $20...does 4 to 8 gig make a huge difference?)

3), with the GC for the first option. Total about $460.

Would these work for my purposes?
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  1. I would go for the 1st one
  2. Ok, thank you.
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