The trick with building your own is that you've got to have the money to burn at the same time you do your research. I made this mistake with my current PC. If you won't have the money for another 6 months, keep up with the tech, but don't bother writing up your wishlist just yet. New stuff comes out, prices drop, things are bound to change. Certain components can be picked out now, but I find its easier to wait and buy everything at once.
On the pre-built side, alot of machines these days are pretty beefy and can handle most games if you make sure you know whats in the box before you buy it. I bought a $350 HP desktop from www.newegg.com for a friend of mine and with minor upgrades, it was able to handle just about anything I could throw at it. If I blow it up, I can always take out my upgrades, send it back under warranty and when they ask what happened, play the dumb consumer.
End run, there are pros and cons to both options. Choose your path wisely.
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