Do you order the upgrades when ordering the refurbished laptop/pc?
Yes. http://www.dell.com/outlet
It is kind of like ordering a new one, you can choose from whatever they have on hand and buy whatever extras and warranty you want. They have business and a home/home office sides of the outlet store. The business models cost a bit more, but the support on the business side is better. I have bought some of both and have been happy with all of them so far.