There's always a way to save money - it's part of my "other" job to look for the best deal for my employer. But again, in this instance I picked one PC vendor and Apple and stuck to what they offered.
Now, here's another reality check - unless you're doing video production or animation, there is no reason whatsoever you need Xeon processors to run photo editing software as they are server processors.
Maybe I'll try comparing a Mac All-in-One 21" beauty with an HP all in One. I tell ya - HP has tried, but while Apple's looks downright sexy, HP's all-in-one offering looks like The Terminator in Drag.