Here's my advice (granted, depends a great deal on your budget):
If you want to spend less than a thousand dollars, and want to run Windows XP with Office XP, buy it from Dell. Those two alone, when seperate, add on about 300$ or more to the price.
If you're either not too saavy with computers or don't know much about building them, buy from Dell. If you want a warranty, so that if anything goes wrong, you can just ship it back to them and they take care of the problems for you, buy from Dell.
If you plan to do some hefty gaming (HalfLife 2, Doom3, Deus Ex 2 - when they come out), build your own.
Note: You can substitute whatever reseller (HP, Gateway, etc.) instead of Dell if you want.
I personally would never buy from a reseller, but not everyone should build their own, as it can be too much of a headache for an inexperienced person who "Just wants to get a PC."
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