Place emphasis on RAM, CPU, and disc if Photoshop CS3 is your main use. All CS3 applications multi-thread very well, so I'd look at more cores rather than higher clock speed.
Here's something to consider other than RAID 1+0. I'd personally look at getting RAID 0 for the computer and picking up a D-Link DNS-323 running RAID 1 with daily scheduled backups. Here's the scoop:
1) RAID 0 has better read/write performance than 1+0 as it almost scales linearly to the number of drives. This is helpful if you ever hit a situation where for whatever reason Photoshop needs to create a paging file.
2) Although it won't be quite as tolerant to faults, the daily backups will put you at worst case a day's worth of lost work if you experience a drive failure before your scheduled backup. If you put in the little extra effort to manually resync after doing any significant amount of work, it's even less of a hit.
I'm running 4 Raptors in RAID 0 for my OS drive and 2 other drives in RAID 0 for my temp/scratch disk. My lifeline is the RAID 1 DNS-323 sitting on my network which backs up every night at midnight and I always resync manually. So far it has worked very well for me, since I get the 4 drive RAID 0 performance with the redundancy of RAID 1 and a worse case 1 day work loss. If I were to do something similar in RAID 1+0, it would be 12 drives. If you're running gigabit ethernet, it takes less than a minute to sync a GB of changed data (files that haven't changed won't need to be synced).
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