Playing with the Android emulator on your computer is a pretty geeky endeavor, but YouWave makes it easy to accomplish on your Windows PC. If you can download and install a Windows program, you can have an Android 2.1-update 1 virtual machine running on your desktop in just a few minutes. All without ever touching the SDK or Sun's JDK. As a bonus, the Window it runs in has a really easy method of installing third party apps from free Android applications stores, as well as apps downloaded to your PC.
It's not without its flaws, and there are no Google applications of course (yet), but it's just as easy to uninstall if it's not for you. Grab the program from the source link, and hit the break for an installation and quick breakdown video to get you started. [YouWave] Thanks Allen for the tip!