I checked newegg.com after seeing how many thought DIY computers are better. I found that it's actually about the same price as a Dell.
I understand the advantage of building my own, but with no "savings" I'm kind of scared to attempt it. Having it done for me and having a company that will stand behind it makes me think that might be the right way to go.
For reference, I could get all those parts @ newegg for around 700, but I'd still need an OS, a case, powersupply, some basic software etc, that jacks the price back up to around 1100.
With the price the same, I'm not sold on making it my self, with the limited free time I have (father, husband, bread winner) and 0 exp i have, I think dell is the fit for me.
Thanks for all the advice guys!