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I'm a geek and anti-MS to boot, so take my biased opinion for what it is.
Your experience will depend on what you used the PC for the most. If it's mainly communication, email, chat, etc, you're really not going to notice much of a difference past the eye candy and antialiased fonts.
If you're going to use it in more of a business capacity, you have Word available as well as quicken. Again, you really shouldn't notice much, except that Word/Office are a bit (lot) nicer on the mac.
If you're a tinkerer and like to poke under the hood a lot, you're going to love it. If you're going to try your hand at Java or other geekish things like programming, signing up for ADC and getting the compiler etc, is well worth the cost ($0) and something you're not going to get for free on windows.
If you've ever had a virus come along and wipe out your harddrive, you're going to love it until more virii are targetted to the mac, and even then, it's Unix so there is some cushioning, it'll only be your files, not the entire machine. You can even create seperate accounts easily and do risky things under one and less risky things under a different one.
Worse comes to worse and you don't like the eye candy, you can probably get Linux running on it.
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