Is your insurance company limiting you to a specific retailer ?
I had a claim last year and was limited to PCWorld.
However,ive just bought this for my son click here just waiting on the delivery (today).
Though Dell take some beating for product stability and normal build with a good engine.
If you decide on Vista,make sure you get at least 2GB of ram and preferably a core2duo cpu.
Vista needs 2GB of ram to run effectively especially if it Vista Home Premium or above.