Which of these 2 setups? - Would you go with

[Gooch]

I disagree. Go with the 2.8 processor. You can ALWAYS add RAM (add later when you got spare $$). But you are stuck with that processor, which in a year or two will be outdated somewhat. Prcoessor speed DOES make a difference. Don't beleive the hype. The difference is seen down-the-line, not right now. Someone who bought a 800mhz and a 1ghz sees a bigger difference these days, and those were both sold not that long ago.