I am a firm believer that if you have an edge case its hard to get good advice. Looking for good advice for an edge case like building your own non gaming pc on a snake forum is not the best approach by my standards.
I whole heartedly disagree with you. You can buy a Dell Inspiron 546 with a 22" widescreen for $538 plus tax and $12.95 shipping. Now if you can build me a working desktop with a 22" monitor for $250 ($300 dollars less) I would love to see it. Is it a great computer? No. The thing is, you can replace the parts you don't like from newegg.com and have a much better computer for a steal.
I have replaced quite a few myself. How many have you not replaced? Thats the real question. I can't tell you how many virus's I have cleaned off of dells and hp's but who cares cause its equally irrelevant. If you are going to build your own you should be able to handle replacing a harddrive or a powersupply. If you are going to build your own computer in the first place hopefully you are smart enough to know that any harddrive can die and you have good backups. If you use linux great if not then a prebuilt is the cheapest way to get a legit operation system on a working computer. Upgrade it after the fact.
I am not saying that building your own computer is a bad way to go if you have specific requirements, but most people don't. Computers that you build or buy are basically disposable these days. Technology is just moving to fast. If a part dies I order a new better one. I Have owned 3 dells and service about 100 dells at work. I have called them once for a server power supply and again for a server hard drive. Both times they shipped me a new one overnight and I shipped the bad parts back. When a motherboard dies I throw it away and keep the rest of the PC for parts and buy a new PC. Building your own computer takes a lot of time and effort and time is money. If PC's are your hobby then fine, but if you just want a good pc, a will always recommend buying the cheapest prebuilt you can that has a motherboard you can live with and upgrade where needed through newegg. Dell and other computer retailers make there money on upsells. They charge you 100 to 200 percent markup on ram and processors. Upgrade them yourself and you will do just fine.