Over on RFF a fellow was going to pop $3K for a loaded 27" iMac but then he found a refurbished Mac Pro and discovered the RAM and HDs for the big machines are less expensive, plus you have a choice of monitors. Seems like a good idea if you plan to run the box for a long time, since you can replace the monitor independently of the box and everything runs cooler and has more breathing room.
Of course it uses more electricity and isn't as elegant, there are always trade-offs.
Some moderate (i.e. sane) users actually use the Mac Mini in the same way, it keeps you from being tied to the monitor so if it fails you're not down for the count.
That said, I like the iMacs and would use external hard drives anyway. I would just buy third party RAM for sure.
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