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On a secondary note, you said the machine you bought came with Home edition and you need Pro....? Are you running a network with a server? If not, why do you need Pro?
As a final note, if you really do need Pro for some reason, DO NOT UPGRADE from Home to Pro, do a clean install of Pro on the box.
As to why they would choose to install home, it costs less and is the default install with all PC makers, if you want a PC with XP Pro on it, you must order it that way and pay extra. (there are exeptions with certain boxes built for business use, but for the most part when you buy a PC you will get Home edition)
As to not upgrade - yes, I always clean install, but you can do that with the upgrade version as long as you have the OEM version available for proof.
In any case, it wasn't that I didn't know what to do or how to do it (I've been a windows user since 1986 appx.), or that I was trying to get around "proper payment" - it was mostly not wanting to download a bunch of stuff on dialup, and aside from that, laziness....