Having built a PC recently I spend good 2-3 weeks of extensive research, never build one before and I can honestly say, it was good experience. I would suggest to spend quality time shopping around for your budget. For example, I managed to find a superb deal on my 2GB GTX 750ti SuperClocked for 130$ (CAN) which usually sells on average for 180$+ CAN. I had a older PC which I was able to reuse the Case, Power Supply, DVD drive and hard-drive with Windows 7 - That definitely helped save money. I believe almost every person has a older PC at home where you can at least use the DVD drive, Case and even a power supply.
All together, after tax, it come down to 479$ CAN. Putting it together around 2 hours slowly and carefully and voila. There is room for better CPU, more memory and better Video Cards when budget allows.
Parts purchased: AMD 6350 Six Core Black edition clocked at 4.00GHz, AMD motherboard which allows for future upgrades, 8GB DDR-3 1800 and GTX 2GB 750ti 1150Mhz (S/C version).
For 400$ CAN those components are very, very good price and I'm able to play all current games a 1920x1080p with mostly high settings.
Buying stock PC will result on same or more money however, 99% of the time they sell 300 watts power supply and very low end video card to support that power level. Also the motherboard will also be bare minimum not offering any expansions for more memory, or cpu upgrade.
Down the road you will end up spending a lot more money if you buy stock PC. I have done it in the past (got lured by those "good" deals in Best buy and what not) and I have learned my lesson.
Grab a PC enthusiast friend, co-worker, or some that you might know if you need little help putting things together. Also, Gamespot community will help with price and components selection. Build it. :)
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