In terms of the CompleteCare discussion, companies like Dell and IBM (IBM sells Thinkpad Protection, don't know if HP sells this type of offering or not) are actually considered Insurance Companies in some states, and therefore have to meet capital requirements, etc. before they can sell these products. It is actually available for sale in about 38-40 states - Arizona isn't, New Jersey, Florida, and most of New England (along with California) are blocked, as well.
In terms of quality, you get what you pay for. I look at the great machines that Dell built in the 80's (as PC's Limited) and early 90's - they'd rather sucker the consumer in with a low price, sell them up big time, and hope the equipment makes it. You are right that 5% is a really bad percentage. Look at Dell's faring in the December issue of PC World magazine - you'll see how far they have fallen (4th in desktops, and about the same in notebooks - neither was an A) - tech support, product quality, etc. This can be explained in one thought - Dell's spokesman (Stephen) had to be on drugs to push their product.
I can't deny that Dell has cheap prices, but Caveat Emptor (Buyer Beware).