My laptop should have been able to handle the FO 1&2 spec no problem but the OS is hassling me. So my mate give me his PC and I've started playing them on it. But generally PCs crash even when I'm just Word Processing. Well lets see how this PC runs, so far so good

You must just have terrible, terrible luck with PCs, then. I've been building, using, writing software for, and gaming on PCs for a pretty long time and have never experienced the type of instability you're describing unless the PC was damaged in some way or important data was badly corrupted. Consoles are essentially just PCs with specialized hardware and operating systems. A reasonably well-maintained PC should be just as stable and trouble-free as a console.
On your hardware comment, graphics cards and video cards are the same thing. In general, if you have a decent one it should last you years, and the rest of the system's specs are largely inconsequential in most cases unless they're quite old. I put a 5 year old video card in my nephew's machine and it can run Fallout 3 as well as a 360 can. It's not difficult to find someone that can help you figure out what you need. In fact, people on this very forum are usually pretty helpful with that sort of thing.