I wouldn't get Windows 7 right away. I don't care how stable everyone says it is. When Vista came out it was a nightmare. But now it's really stable. Same thing happened with XP. I'm pretty damned sure it's going to happen with Windows 7.
But you can save a lot of money (especially being that seems like a concern) and get a damn stable machine. Good luck to you. Let us know what you decide to do.
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