Yeah, they both hit it on the nose. Thier systems are highly overpriced because they can do it and people evidently still buy them, probably mostly because they have the "cool" custom cases
Honestly, I say pick your own components and build your own. Not only because you can save money, but also because you earn valuable knowledge, skills, and confidince from doing something yourself that you would otherwise lack because you paid premium top dollar for someone to do the thinking for you. Building your own rig (to me) is more than just being able to have and use a computer for the cheapest possible price; it really allows you to explore your creative boundaries and completely customize a machine for your exact personal needs. Noting you don't want and everything you do want. And if you decide later that you want to upgrade, you have now built enough knowledge for yourself to do something like that. And you can even turn around and either sell your old components to make the upgrades as painless as possible or even help out a less-knowledgable friend or family member with building a computer of thier own.
And as capper mentioned, if you have a thing for the flashy cases, you can buy one and mod your own. Again, if you have the time, ability, and/or resources to do some case modding, you will be greatly rewarded. I personally bought a cheapo steel case that was pretty ugly just because it was really cheap and it had a cool built-in handle thing (I know, I was a n00b). I decided to cut my own window and strategically place fans where I needed them. And instead of cutting a plain circle or a rectangle, I got as creative as I could and designed something that no one else in the entire world has ever seen or made. And it sits in my room right next to me and I actually have something to be proud of. I can look over at it and say, "Yes, I dreamed up and created this piece of 'functional art'".
Anyway, that's my take on the whole "buy or build" controversy. Two or three years ago I barely had the confidence to install RAM, let alone buy some that would work or even dream of building my own computer. But now, I have learned SO MUCH it is incredible and I still amaze myself sometimes when I can look at something and make a statement and actually know what I am talking about and be able to back up my words with facts and experiences. And even (god help us) teach other people willing to learn!
Good Luck With Your Build!
More (but older) pics HERE