For the unintiated, I would (begrudgingly) have to admit that they should wait for Dell to have a sale and go with that. The systems you can get at Dell at the right time or promotion can be 33% cheaper than equivalent systems at FS/BB. The other best thing to do is go around to the various futureshops and look at the systems they have sitting out on the open box tables as you can also get significant discount on those.
Memory Express is only the option you should go for if you know what you want specifically or have a friend to help you. I wouldn't trust anybody in a big box store to walk you through anything.
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