The only time you should buy a premade computer is when it's a Mac. If you really want to waste your time with a windoze box, make it yourself. That way, you don't get stuck with lousy Acrobat Reader 7.0 when you can wrangle the awesome power of Reader 8.0!!@!@
Why get Vista? Hasn't it driven the price of XP down? Get XP. Better yet, grab Debian or something. OSes should be free. Seriously. The most I ever paid for one was $30 for XP Pro via an employee of Microsoft, and even that made me feel dirty.
Dell keyboards suck.
Floppy drive? Modem? What is this, 1994? Drop this crap.
oh boy! AOL!!! yay! That's a keeper!
You said that you're a gamer, anyway. While you're getting a new video card, you may want to check out sound cards. And why waste your time with a 20" monitor? bleah. Postage stamp. I wouldn't go smaller than 23". Mine is 26".
Sorry, man, but you should stay away from this garbage system. Build your own offa Newegg. Same price, better deal.