Times are still tough out there, but our needs and desires don't always flag just because the economy does. If an accident or an equipment failure has punched an unexpected hole in your computing life, you may be in need of a system—any system—to fill it. Or maybe you've discovered that your family just needs one more box to use as a Web terminal to keep the more powerful systems free more often. Whatever the circumstance, you may be tempted to drop $500 or even more on one of the cheaper, pre-fab models you can find at Costco, Wal-Mart, or from one of the major manufacturers. But once you've factored in all the attendant costs, taxes, and shipping, you could be spending a lot more than you planned—and that's something to avoid, especially when every penny counts.