Is there a particular reason you want to build one instead of just buying a ready made system? It's still fun to build, and you can get exactly what you want, but it sounds like you don't know exactly what you want, so maybe just buy one that is already put together and guaranteed to work. The most low end crappy thing you can buy today is going to be so much faster than anything that came with XP that there is no comparison, we're talking an order of magnitude or more. You can even get good used stuff, core i3 or i5 Lenovo desktop for maybe $150. Pop in a SSD and install the OS of your choice.
I don't want to deviate from the topic of this thread, however, I don't want to blow off your question. One reason I haven't dumped my current PC is due to the amount of software I've "obtained" over the years. Keeping older versions of software doesn't make sense, but I can't obtain new versions very easily anymore (or at least I'm unfamiliar with newer methods), or, if I do obtain newer versions, I may end up visiting non-safe sites, using keygen's, etc...
The other reason is to build one that is quite powerful rather than go commercial, get loads of useless software that expires in thirty-days, etc... and have a mediocre PC rather than something high end. I plan to do 3D graphics, PCB layout, etc... so I want a powerful machine.