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2) profit, the one with the most money wins the game!
3) some games use the steam cloud, in which cas savegames "might" be saved, or it might just save the controls config. I'm not 100% sure of the answer
2) See above
3) The latest update of Steam is allowing you to install certain games to a different HD, so you may want to look into that. However, to actually answer your question, your game saves should remain in tact. Should does not always translate to will, but that is the idea. You can also use this feature to install games on more than one computer (although you can only be logged into your Steam account on one computer at a time).
Hope that all made sense.
Edit: Ninja'd!
http://www.traynier.com/software/steammover
There is also a program to backup your saves and config information:
http://savegamebackup.net/forum/download/file.php?id=403
2. The majority of PC still run win XP. Either they can't afford to upgrade or they don't want to (for one reason or another).
3. See above.
Just to add to these tools there is also gamesave-manager.
http://www.gamesave-manager.com/
1) Operating system. XP is dead. Go to win7 or win8 and you'll be fine for at least a decade
2) Video card. This is the real place where the rubber meets the road. If your video card sucks you won't be able to play anything. My suggestion is to pick a budget and buy a card.
http://www.tomshardware.com/reviews/gaming-graphics-card-review,3107.html
You can go wrong with whatever budget you have. Obviously if you spend $100 don't expect to run say Crysis3 at UBER awesome graphic mode. But it'll run at moderate settings.
Everything else isn't really 'critical'. CPU doesn't really matter since most games aren't CPU limited. Memory is nice but these days most systems come with 4GB minimum anyway which is plenty. As long as you address the 2 points above you'll always be able to play games.
To address your other poitns
1) Steam now lets you choose where to install your game. Though to be honest having steam on ssd is pointless. 95% of games dont' benefit much from SSD so it's hardly worth putting a game on SSD anyway. Games aren't IO limited
2) Most older games still work on windows 7. Some games like fallout3 need some minor ini tweaking. Other games just don't work at all, but these are extremely rare.