Might sound stupid. But for a lot cheeper, pick up an Olympus digital voice recorder. Only cost about £20, but the sound is far far clearer than my logitech USB mic, it's very good for £20. Very clear and audible, not half as much distortion or crackling you get through most USB mic's.
I can simply plug it into USB after i've finished my recording and play the file straight off the bat.
Ofcourse, it's not convenient for all situations - If your doing podcasts or something, you obviously need a good USB mic so you can record/video yourself at the same time. And ofcourse if your recording yourself singing or whatever... you'll need a mic like Rican reccomended.
But for anything else where it's convenient to record what you want to record, and then just put the recording on your pc - a digital voice recorder offers relatively decent quality for such a cheep device.
However,
I'll be picking up a setup much like Rican reccomended. Just because i like messing around with audio files in audacity

And ofcourse, a digital voice recorded picks up NO bass, so it's no way near suitable for any proper or real recording.