Honestly at some point a clean reinstall of Windows fixes more than any amount of tinkering. XP gets crufty after a couple years. Back up your files, find your product key, and do a fresh install. It'll feel like a brand new machine.

This is a case where spending a little more upfront saves you money in the long run. Cheap hardware fails faster and costs more to replace. Buy quality components from reputable brands and they'll last years longer.

Don't forget about heat. If your computer is shutting down or crashing randomly, open the case and check if the fans are caked with dust. Blow it out with a can of compressed air. Overheating causes a shocking number of 'mystery' problems.

I'd recommend trying the free solution first before spending money. Nine times out of ten, the free option works just as well as the paid one. Only upgrade to paid software if the free version doesn't meet your needs.

Check how much free space is on your hard drive. Windows needs at least 15% free to run well — it uses that space for virtual memory and the swap file. If your drive is 95% full, that alone will make everything crawl.

I'd post this on the Tom's Hardware or AnandTech forums with your full system specs — CPU, RAM, motherboard, the works. People can't really help without knowing what you've got. The more detail you give, the better the answers.