then get scared and take it out again.
feh. It's not *that* much extra, I'm paying it off (well, back into my ISA) in installments anyway, and I reckon having something like the nVidia GeForce 8600GT 512MB for an extra 40 quid can't hurt, can it?
could also save myself £50 by not having windoze at all and going for a linux setup, but that scares me even more, and K and the Beans like their windows stuff. If it was just my PC, I'd probably throw caution to the wind and go for it...