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Maybe it is because you are choosing top-notch components.
Computer manufacturers (probably- I dont really know) use the cheapest parts they can find, therefore your final cost may be more but you are getting the best components.
My 2 year old HP mobo doesnt even support a PCI video card, and there's no AGP. This is probably because they chose the cheapest soulution (and for a $1200 comp I was pretty pissed when I found out). That is why I built my last comp.
Even so, most people (like me) save tons when they build their own comp.
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