That's what I figured. And since my cable/wifi speed is average at best, it would probably benefit me more to get one of the new Samsung Blu-Ray players at Blockbuster (going out of business down here!) for $90. I'll have to check the make/model, but the guy on the phone said it's a Samsung BD-P1500, which I'm 85% sure is wrong. The catch is that it's "all sales final", so I'm still thinking it over. Would it be better (and more cost efficient) for me to just keep holding my breath and throwing temper tantrums to (eventually) get the Blu-Ray DVD-ROM for free? (Is that the dumbest question I've ever asked?) I did happen to "purchase" (read: going back to the store) a Sony BD-S350, and I will say the difference is breathtaking.
Sad news: my whisper-quiet Praise Jesus NVIDIA GeForce GTS 250 does NOT fit inside my Zalman case (too tall!), so it's back to my loud-ass GeForce 9800GT. Le sigh. But it DOES fit inside my yet-to-be-finished Origen AE X11 - which, for the record, I absolutely do NOT recommend under any given circumstances whatsoever. Beautiful case, but LOUSY customer service. And why, in 2009, am I buying a 20-to-24 pin converter? Should've gone w/a Silverstone.
BTW, and I can't believe I'm just now asking this: do HTPCs tend to *require* sound cards? I always have to export sound through my iPod dock, when I used to be able to just plug a headphone speaker into the monitor (or better yet, use a splitter so the sound would come out of both). Now I have to use an iPod dock, which is very goofy looking. What are you all using for sound/sound speakers? Last thing I want are those stupid computer speakers all around the place, but I get the impression I'm going to need some home speakers.
*edit* Since everybody tends to post pictures of the inside of their PCs, here's my Zalman, only w/the GTS 250.

I took out all the hard drives and put in a laptop drive (it's under the DVD-ROM) in order to use as few cables as possible. I'll probably never get my $40 rebate, but I'm glad I bought a modular PSU. The pink fan is just for extra air circulation. The PSU *and* the fan both have color LEDs (arrrrrrgh!!!), but it's whisper quiet and has great airflow (for a Zalman). Windows 7 (and Vista) has home sharing, so I think I'll load all the hard drives I have into the Origen AE (I believe it can fit five) and just link up from there. That way, I have access to all my non-BR media w/o anything having to go into the Zalman.
I think I'm finally done w/it; I can't see it getting much better, barring a sound card, and possibly a heatsink for that processor if I ever start to overclock. Here are the final specs:
Motherboard: Gigabyte GA-EP45-UD3P
Monitor: Westinghouse LVM-47W1
Processor: Intel Core 2 Duo E8400 Wolfdale 3.0GHz
Video card: GeForce 9800 GT
Case: Zalman PC HD135
RAM: G.SKILL 4GB (2x2GB) 240-Pin DDR2 800 (5-5-5-15)
PSU: Raidmax Volcano 630W Modular
Tuner: WinTV-HVR-1100
OS: Windows 7 Ultimate Edition x64