Before making go fast goodies for Mustangs full-time, I did IT for 8 years. I can't recall the amount of Dell machines we had fail. At one company it was pretty much 90% of all the hard drives in one particular model, probably 150 units. The batteries would stop holding a charge after about 13-15 months (warranty was only 12 months). The next place used Dell desktops, 75% of all their hard drives failed, none of the HP's had any issues. Even though these were all corporate leased machines with 3 year parts warranties so stuff got replaced for free, who wants their data lost?
I'll never, ever buy a Dell. I buy a base-ish HP every 3 years for $300-$400 and throw the old one away. The machines are light years better than the were 3 years ago so the speed increase/data storage is noticeable. Sounds like you are not playing games or anything fancy so you don't need a $1000+ machine. I have 3 hard drives, 2 internal and 1 external. I keep the OS on one, all data on the other and then backup that data onto the external automatically daily. Then, when/if the machine dies, a quick trip to Best Buy, $300-$400 later, plug in the external drive and I'm off working again. The base machines are so cheap its not worth paying the 'Geek Squad' to fix it if its something major.