to CF
To advise you best we could do with more info.
Are you planning to buy a branded (eg, HP, Advent, etc) PC or a system from a dealer (or even build your own)? Most branded PC's will already have most of that installed, althought it may be trialware.
Windows XP home OS - or something else?
Are you a BroadBand or Dialup user?
What do you use a PC for - Surfing, Banking, Downloading music/video (using a torrent?), online gaming, gambling?
Those might give us some pointers about which way to go.