I still use my 7800 GT since 2006 and still works like a charm, so I wouldn't say Nvidia makes unreliable cards.
ATI is cheaper though and I'm currently planning to upgrade to HD 4850, which is more powerful than Nvidia's 9800 GT for the same price.
If you're not a gamer and only use your PC for web browsing, MS Office works, and so on, I recommend
Acer Aspire Revo.
For just 200 bucks, I'll say it's really a good deal. Plus, you can turn this thing on 24/7 and don't have to worry about your bills as it consumes very little energy.