I'd say don't be scared of building your own PC, it's not that difficult, it just takes time. The first one I built was only my second PC ever (I think it was a P166). I knew nothing about it really, other than having bought and installed a sound card for my first PC (which didn't come with one). I just read the instructions in the manual for the motherboard, which was much more complicated back then than it is today. There were tons of jumpers that had to be configured correctly, and lots of little plugs that had to go on the right pins. The instructions were very clear however, and it wasn't that big of a deal.
With modern motherboards, you don't even need to fiddle with things like jumper settings, it's basically just a question of putting everything together correctly. Most of the things are fairly obvious, and any questions can easily be googled.
As someone else said, choose your case carefully. Be sure to check the features and look at the design. You want to go for something that is as easy to configure as possible. My case, for example, a
RaidMax Smilodon, has some nice features that makes it very easy to put everything together. Both sides open with simple pull-out handles, the HDD drive bay can be rotated sideways to easily slide in drives, and uses a rail system that means you won't have to screw in the drives, they just slide in and click into place. It has a 120mm front fan (generally, the bigger the fan, the slower it has to rotate to move the same amount of air, and the less noise it usually generates).
Sounds great, doesn't it? And it is. So naturally, I'd happily buy another one just like it, right? No, as a matter of fact I wouldn't, and here's why:
Features that help are of course nice, but you also need to look carefully at features that hinder instead. In the case (pun intended) of the Smilodon, there are a couple of things that are REALLY annoying.
First of all, the whole front of the case is covered by a hinged panel. The
whole front. Including the power button, the front USB ports and headphone jacks and the optical drives. This means that you have to open the front panel every time you want to access any of these things, and as long as you're using the USB ports and headphone jacks, it has to
stay open. Incredibly annoying.
Then there's a side strut bar with a fan on it, and three little rubber-tipped plastic tabs that can be clicked inward until they rest against whatever is mounted behind them, usually the graphics card. This means that there is a bit of tension between the case and the components, keeping everything steady and preventing unnecessary vibrations/rattling. This is an excellent feature, until you get a graphics card that is simply too wide to fit behind it, as I did recently. I've had to remove the strut completely (which is fortunately very easy), so now I have one less side fan. Less noise too perhaps, but also less air flow.
Finally, you'll want to try and match the motherboard and case. The SATA ports on my motherboard are placed right in front of the drive bay in my case, which makes it something of a headache to fit the cables for my HDDs.
So make the right choice when it comes to your case. Something like the
BlackStorm looks like it has retained all the good features of the Smilodon, while doing away with the bad ones. The downside is that it looks like something that escaped from a Tron movie, but I value ease of use over looks. (I happen to be a big fan of Tron, but I still prefer my PC cases a tad more discreet than this). This is just a suggestion of what I might get the next time I need one. You need to find a case that is right for
you.
tl;dr: Building a modern PC isn't all that hard. Be sure to choose a case that will make things easier for you, and won't annoy you during daily use.