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Its not cheaper? To upgrade to larger drives and more memory I'd be cheaper getting it from eBay/Crucial/eBuyer. No?

If you want a mid to low end PC then just buy the prebuilt PC, they buy the components in bulk by the thousands so it is going to be difficult to get a better price. If you want your uber high end gaming PC then build it yourself, they put a premium on these so you should be able to build one to your own spec for cheaper.

If you want more memory then it is nearly always cheaper to just do it yourself later. For things like laptops with not many memory slots, you may have to pay more for them to use a single stick of memory. I usually just buy my memory from Crucial and it is still significantly cheaper than if I bought preinstalled.