I think that Dan has definitely described my situation. I'm not a gamer and only need 8M memory because I leave too man tabs open in my browsers. So if anything, I'll tend to try to hit the low end of my budget.
Anyway, I just got back from an appointment to find my computer dead. It reboot but it's probably closer to the end than I thought. So I'll visit Staples, Costco, Best Buy and maybe Office Max and purchase the best deal I can find.
Thanks again for all the input.