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All in One or Desktop PCs?

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Are you a modder or willing to leave well enough alone? I run an onsite PC support franchise and repairing a dead disk drive in a standard desktop would take my techs less than 20 minutes. In an AIO, replacing the hard drive is two hours.Even faster for an optical drive. So if I were buying new, I would be inclined to get the extra warranty coverage on an AIO whereas I wouldn't bother on a desktop.
All else being equal, I would choose the desktop but that's me.