dude not anymore.....people playing video games today, 95% would easily grasp the concept of an upgrade. Being able to swap GPU's or add a second in crossfire/SLI would be pimp. Newer games would still run on the old configurations just not on "high" settings like the new config. It's done on PC's all the time. Crysis still looks damn good running on medium settings...but put it on full it's ridiculous.
To be honest, I wouldn't be surprised if we see something like this in the future. You'd think it'd start to accompany the console redesigns that have been around for a while now. Hell this might even be something that authorized game stores would do as part of a bundle.
How far the line between console and PC will be allowed to blur though is the question. PC's pioneer the tech that goes into consoles, where it's refined and milked as much as possible to allow the greatest return on that tech, and the cycle keeps continuing. This is why the industry simply needs both consoles and PC's, but also why PC tech hasn't been advancing as fast as it used to. All the big PC devs have jumped on the console wagon to get a bigger piece of the pie.
I enjoy both, but it's a shame how PC gaming is being treated as the ugly duckling lately. I can see why a lot of PC gamers get pissed when guys like Michael Pachter (an "industry analyst") go on gametrailer.com's Bonus Round and say how there's nothing a modern day PC can do that a PS3 can't, and then have the host of the friggin show chime in and say a comparable PC costs $2000!
Misconceptions like that are increasingly thrown around in the gaming world. Sure consoles are more accessible in general than PC, but no way in hell should they be favored to the current extent, especially in media. Also, what you said about games being mostly derivative these days is true twofold:
1. New IP's are often times too risky for most devs to gamble on, especially if they're being touted as "AAA".
2. Multiplats that were once PC exclusive are immediately reduced to half the game they could've been from a creative standpoint, not to mention technical.
There are still some truly exceptional games out there, but in most cases it takes a more discerning consumer than ever now to wade through all the hype and marketing distractions to find them.