You didn't mention which platform, but if you are coming from a 1997 era PC you owe it to yourself to at least consider getting a Mac. The prices/value/software are very good, especially for digital imaging applications. A 17-inch eMac (education model) with a G4 processor is in the $7-800 range - add a gig of RAM to it and you will have a bullet-proof computer that will perform well for another 4-5 years. The monitors on the eMac/iMac line are very good, far better than the discount/less expensive PC monitors. True you can get a functioning PC for less $ but you do get what you pay for... and the Mac is easier to use, out of the box, with less hassles.
Also, the difference between Windows 98 and XP is significant enough that you might just as well go to a modern operating system like Mac OSX.
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