Noni,
My 2 cents worth again. I think you will regret not going with Vista. In a year you will likely be shelling out for it because it will be the "in" thing. There was all this scary talk when XP came on the scene too. All kinds of complaints. But most of us are comfortable with it now. The same will be true a few months down the road with Vista.
When I bought my laptop (for about $350 Canadian), it was fully equipped and ready to go. I didn't have to worry about installing cards or anything. I can go to a hotel or many other areas and not have to plug into an internet connection.
That's another reason why I highly recommend the larger stores. The little guy can't compete anymore, so he has to charge more. If he sells at the same price as the larger stores, he won't make a dime. In fact, he'll lose money. Don't try to do them a favor by keeping them in business. Do what's best for yourself by going where the price is better and you get much more for what you shell out.
Frank