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For question 2, "is it worth the money?" - probably not. You say you'll mainly be using Word Processing and Internet, which doesn't realy need too much processing power. Games might need a bit more, but generally not much - depending on the games. BG2 and PS:T both handle well on a 433 Celeron. Go for about a 1Ghz Celeron, aslong as none of your games have system requirements too much above that you should be fine, and it wouldn't be very expensive at all compared to, say, a P4 2GHz.
Good video card - first ask "Do I need one?". Again, aim for a little above your game's system requirements and you should be fine. Don't spend hudreds of $ extra when you don't need to - you could save it for getting new games, for example. [img]smile.gif[/img]
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