Personally if your willing to pay extra the only way to go is build your own.
"Pay the extra" ... what, blood, sweat and tears "extra" ?
Why, in this day and age would anyone want to build their own PC ?
Honestly, for your average Joe those days are gone.... there's so much good stuff available "off the shelf", both PC and Mac.
Having repaired (or tried to repair, in one case) HP and Dell, I would avoid.
When was the last time you looked inside an HP ?
