I looked at some of the pre-built offerrings on the Extreme-PC site link. You could definately save yourself considerable ca$h by building it yourself (or choose better parts at least).
Banks are still the best for small loans/line-of credit.
I agree that you should save and wait but the trouble with waiting is well ...waiting.
I got my parents to co-sign a $1500 loan when I was 16 just because I couldn't wait to get a great stereo.
Paid it off in 10 months but I learnt later that patience is a greater strength.
oh noo00OO! - This has become one of those
"do as I say not as I do" kinda statements"
btw Chilly, I like your "take 2" the best.