Do I really need a graphics card?

Okay so I'm looking into buying a desktop computer. Heres are the specs of one of my options:

$469.00
CyberpowerPC Gamer Xtreme H135
Intel Core i5 4460 (3.2 GHz)
4 GB DDR3
1 TB HDD
AMD Radeon R7 240 2GB

$429.00
Lenovo
Intel Core i5 4460S (2.90 GHz)
8 GB DDR3
1 TB HDD
Intel HD Graphics 4600
(Free 128gb SSD)

$469
Acer
Intel Core i5 4460 (3.2 GHz)
8 GB DDR3
1 TB HDD
Intel HD Graphics 4600
(Free 128gb SSD)

$499
Acer
Intel Core i5 4460 (3.2 GHz)
8 GB DDR3
1 TB HDD
Intel HD Graphics 4600

On this computer I plan to do a triple boot of Windows 10, Mac OS X, and Linux. I also plan to use if for developing and programming, and possibly gaming (not a ton of gaming and not hardcore gaming) I plan to build websites, web-apps, mobile apps, programs (etc.) I will do some graphic design, animation and photoshop but not a ton, maybe just some for youtube, and websites. The only games I would really like to play on PC are Fallout 4 and Minecraft. So would it be necessary to have a graphics card for the things I'm doing? Also what are some good options for graphics for what I will be doing. Lastly i plan to Litecoin mine, not Bitcoin, but Litecoin mining so I can make a few bucks here and there. So all in all, what would be my best option, because as you can see, I have trouble making decisions when it comes to buying computers.

Yes a graphics card will be a great investment. Especially seeing you like to play PC Games. I recommend the MSI GTX 970 GAMING 4G for $348.94 its performance is actually really good. Also, if you are not on a tight budget, having a Water/Liquid Cooler like I do is much better than just fans.

Minecraft and Fallout 4 is enough reasons on why you really should get a graphics card.

A graphics card will be worth your time and money if you invest in one. The ones in here are weak: try an NVIDIA.

They are all basically the same, though none are particularly good gamers unless you add a gpu. They are less than useless for mining without a gpu.

99 percent of people can buy of the shelf, given all the things you say you want to do, you are among the 1 percent who is an idiot if they don't custom build.

The first on the list is the best. All game players need a graphics card.