My opinion as an every day user with average or maybe a little more experience is to educate yourself about the technologies and prices and then make a purchase based on that. Last time I built a pc I made an Excel spreadsheet that had a column for cpu, gpu, and ram. Then I started looking at what I considered to be reliable 3rd party sites, like PC Mag for example, to see what the newest, greatest thing was. I noted the specs in each column, then looked at several sites to see what the price for that piece was. I started working backwards in price point from there. "If I had to sacrifice tech in the name of price, the next step down would be..." concept. Once I had my spreadsheet, I would grab a bare bones pc from someone like Tiger Direct and start plugging in pieces until my budget was consumed.
I usually built a very powerful system for around $800 - without getting into frills like a $500 graphic card that renders 2D into 3D or liquid cooled, or some other crazy thing like that. Using the same process, I bought an MSI laptop for my gaming (yes, I said laptop for gaming) that has a core i7 2.7ghz, 12g ram, and 2g gpu. It run EVERYTHING put out today - the only bottleneck is the fact it is a laptop means cooling tends to be an issue - and spent $900 when i7's were brand new.