Before you go much further, I would suggest that you need to crack the laptop vs desktop issue. What you can get for the money you are prepared to pay is very different. I went through this a few months ago, and as I'm thick I had to pedantically list the pros and cons of each. Convenience, screen size and so on. Did I really need a mobile pc? really? Er, not really.
In the end, I could not convince myself that the extra cost of a lappy was worth it. However, we all need to make that choice.
Once you've made that choice, the sort of spec you describe is about where I got to. Everyone said pile on more RAM, so I got 8. I'm not a gamer, so I went for a cheapish, but seperate graphics card. The pc I chose came with 1 tb.
Have a look at the Intel site - it lists the chips. I went for an i5 2500 3.3 ghz. Seems fine for a non-gamer.
I was worried about 7/64, but folk on here said 64 is fine. It is. It won't work my ageing all-in-one HP printer etc. very well, - the scanner is dead cos HP are mean and lazy and have not updated the software beyond XP. Not windoze fault.
I bought from Chillblast on a value for money basis. (and good reviews of their cheaper pcs.)
It is a joy once you've got it, but a pain to get to the decision.