I've had a CI desktop for about 8 years, with none of the problems listed by Bill.
It is only a 100 ct, which means it holds about 60 sticks.
I have never had a cooler, as they don't appeal to me.
Bill is right about you outgrowing it much faster than you anticipate.
If you want a desktop over a cooler, go for it.
There are plenty of people like me, who have used cheaper desktops without issues, for many years.