About the questions.

Without knowing the intended use, it's very hard to know if upgrades are needed.

For example the video upgrade would be something a gamer or a Photoshop maven would get.

Norton is OK but since we can get security for free it's optional plus you said "strapped for cash" so why give a dime where you don't have to?

As to overheating, ALL machines can overheat given the right conditions. You didn't reveal "use" so I can't tell if this is an issue.

I'm more concerned about HP's failures in the service area myself.
Bob