Here's what I like.
First: SiSoft Sandra (Benchmark/testing program with lots of tuning tips.)
Second: Zone Alarm (Possibly the best personal firewall available.)
Third: AdAware (Spyware removal tool. Go to www.lavasoft.de for this one)
Fourth: MemTurbo II (RAM recovery/defragmenter/monitor)
Fifth: YATS32 (A nice little time sync program)
Sixth: Copernic 2000 (An excellent meta-search engine with specialized categories)
The really nice thing about these is that most of these can be found in the download section of ZDNet, and all are freeware/shareware.
With this setup get a DSL/Cable modem if you can. You'll fall in love with the response speed!
Of course, it should go with out saying that you'll need a good antivirus program. I personally prefer Norton's software.
For the desktop, just find pictures you like and use them as your background.
Have Fun,
Dusty