There's no harm in asking. The stupid question is the one NOT asked. And it is good you are researching BEFORE buying. I'm just an angry duck. Don't pay attention to any perceived "attitude" - you cannot "hear" the tone in my voice or see my facial expressions through type. I'm not really a duck!
And I type "matter of fact" in "technical" discussions that may seem a bit "short" at times. Nothing intentional - sorry if it appeared that way.
I have a problem with ALL
factory PCs as they are made for what the company thinks users want or need. Yeah, some say they will custom build, but the reality is, there are very few options so they build it for you, and the other 999,999 users "just like you". If you build your own, or find a reputable custom builder, you can customize the build for YOU, and your "unique" needs.
What you need to do is define your needs or the primary use of this computer (gaming, office/school work, internet surfing, running your business, graphics design, graphics editing, etc.). Then you need to set your budget. Then find (or build) the machine that most closely will meet your needs within that budget.
It is important to note that a self or custom built that starts with a good case will lay the path for years of upgrades. This allows the computer to "evolve" over time and stay relatively current. A good case will provide lots of large (120mm or larger) fan support, support multiple drives, provide easy access for cleaning, and support mounting of 1000s of different motherboards.
A factory built computer case is often designed to support only what that computer line originally came with. Entry-level computers often use "tines" (stamped out fingers of the case's sheet metal) that, during assembly are used to "clamp" the motherboard into place instead of using standard motherboard mounting screws. These tines typically break when bent more than a couple times making properly mounting and securing a replacement or upgraded motherboard impossible. And they likely will not support boards that use different or additional mounting hole locations.
In other words, factory built computers typically need to be retired and replaced when they not longer meet the user's demands. Custom computers, on the other hand, typically cost more upfront, but can be incrementally updated to stay current for much longer - thus leveling out, or even making the costs over the long run, cheaper.
It is perfectly fine if building your own is not something you are interested in. But most towns have small shops that will custom build one for you - either selecting the parts for you, or help you select the parts. As the OEM supplier of Windows, that shop will be required to provide 1 year support for Windows. If you build your own, you provide the support. A shop is one contact for all support. Build your own, you have to contact the individual makers (motherboard, CPU, RAM, etc.) yourself - after you figure which one to call (perhaps with the help of a good tech support forum).
Note that reliability is not really an issue. The big makers buy all their motherboards, RAM, graphics, drives, etc. from the same makers as custom builders.