Well I went against all good advice and will live to regret it, but I got an all-in-one (a few weeks ago). I don't like the heaviness of towers (or the space taken), and would have a problem lugging it up and down my stairs (3rd floor) and squatting down to deal with it, with my bad knees (I'm getting old). I'm not into replacing hardware, or upgrading to the very latest thing. Yes I will certainly have a problem with having mine fixed (or if I need to replace it), but "I'll deal with that when it comes", as they say! I also spent a lot of money (well I suppose way too much, but I'm not providing a link

) and got enough "good hardware" so that I hope I will be happy for long time.
I am keeping my laptop too, and will use it if I need something portable. Possibly I will put Linux on it.
I guess I'm not very virtuous or prudent, "living for the present", but there it is!

Thanks everyone. Time to refocus on my budget!