These latter components could all be optional; instead of the onboard EPROM/SRAM/VIA/ACIA, set a link/jumper differently, and this onboard stuff is disabled,
No thanks.
However, I also grew up with the Commodore 64 and Amiga 500. I've seen people who have used all-in-one machines, and people who have used the piece-meal approach that the current PCs offer. All in all, in my experience (and user-interface research by Jef Raskin appears to support this), the all-in-one units are concurrently easier for people to use and more cost effective. They're easier because things can't go wrong when you add peripheral devices. 99% of what the users will need will be integrated into the unit -- no configuration necessary. Even if the device added fails miserably, the user can usually still boot the system to a level where diagnosis and repair can happen. In addition, the all-in-one solutions unilaterally have some means of auto-configuration (e.g., MacOS had it, AmigaOS had an even better one, and IBM PS/2 with Microchannel was somewhere in between). It'll be more cost effective because the hardware that ships stock with the machine will be used right away.
Consider the Commodore Amiga series of computers. That was one gorgeous machine, whether in all-in-one or in expansion backplane configurations. The video hardware and audio hardware were adequate for the overwhelmingly vast majority of its market segments. Yeah, towards the mid-90s, the Paula chip needed 16-bit audio capability. But the video was solid, and the AGA chipset would have lasted for another 10 years easily had Commodore remained in business. Want additional graphics performance for high-powered 3-D games? Don't change the whole dang video architecture; instead, add additional coprocessors to the existing bus. In fact, before Commodore went under, the Amiga was starting to increase in sales big-time here in the states, as it was finally viewed as a REAL business-class machine. In another year or two, it would have matched or exceeded Macintosh sales by a factor of ten, given current trends, which would have royally embarrassed Apple.
The point is, the Amiga shipped with an operating system that used its included hardware to the fullest potential. The hardware and software were co-developed, in fact -- they were designed as a unit. The amount of money you spent on the machine went towards a complete system. As a result, the usability of the Amiga was head and shoulders beyond that of a Macintosh or PC with similar capabilities. In the case of the Mac, the OS wasn't optimized for color, real-time multimedia (yet). This is especially potent a consideration when you consider Macs back then simply had no idea what multitasking was about. The PC's case is far more abysmal -- it quite often just plain wouldn't work at all, and if it did work, made a Mac look like a Ferrari in comparison.
Any good?
This kind of research suggests that having too much configurability is a liability and is antithetical to progress. Witness the utter devestation of the home computer market by the IBM PC-compatibles. Witness, at the same time, how frustration with computers and software quality has hit an all-time low. Also notice that operating system research for desktop machines has not only halted, but regressed -- Linux is a Unix-class OS, and Unix is one of the oldest operating systems in existance. Windows NT, and by extension 2000 and XP, are both derived from VMS, which is similarly old. Both of these operating systems are using technologies that date from before CP/M was first introduced, on which DOS itself was based. This literally makes DOS one of the most modern operating systems you can use for the PC. (Actually, the most modern OS for the PC today is QNX Real Time Platform.) These events are not coincidences.
(I'll also be the first to admit that AmigaOS's kernel is itself based loosely on VMS, but it was equally original as well. It's DOS implementation was HORRID -- use of BCPL to implement was a huge mistake, and that dates to a time even before VMS OR Unix. And it showed. While the command-line of AmigaDOS was nice, programming for it was, to put it politely, definitely not a pleasant experience.)