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i have found i can get a refurbished dell pc with a quad core q6600 and 6gb ram for $500.
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Don't waste your money on getting 6GB of memory - XP and Vista (being 32 bit OS) will not see all of it. To make use of more than 4GB you need to be using a 64 bit OS and seeing how much trouble some people have had with that, I wouldn't even bother - that's assuming your sound card manufacturers even makes a 64 bit driver.
If 4GB is not enough, get a second PC or change the way you do things. For example do you really need to have a reverb plugin on each individual track - group a few tracks and send them through a single reverb. Render a guitar track that has an effect on it instead of having the plugin running until you mix down - might be just me but I always end up running around in circles if I have too much control and access to every parameter all the time.