With Dell you get what you pay for. I suspect that most people buy from the Dell Home PC site and do not get the additional warranty. What you get for free is almost nothing. Pay the bit extra then you get tech support (from Texas, not India) and guaranteed service, usually NBD or less.
   Just for the record I build my own PC's but have also bought a couple of ex-lease PC's from Dell off E-Bay. A 2 or 3 year old computer for about $200 is good for the wife or home render farm.