I hope this isn't the second post responding to your posts, because when I went to post.... it disappeared into Mac land somewhere never to be found I think.
Anyways, Thanks so much for your quick replies. My friend just arrived and I ditched the project because, as you said, there are too many variables and scary possibility.
To answer a few questions, we live in the Upper Peninsula of Michigan and we have some good downpours, more this summer than usual I believe. We will be removing the gutters before the snow falls (possibly as soon as October)

The pvc is 4" diameter, the downspout 3" diameter. The soil is very sandy below 2.5 ft of top soil and surrounded by an equal height of retaining wall stones. The flower bed is against the foundation which goes 8 ft below ground level. It does not slope away from the house, but it is instead a level 2.5 ft.
Thanks for keeping me from doing something I may regret later. I still would like to find a way to use the rain water for the flower bed and for conservation. I will be using one of those expandable, rollup attachments in the interim to flow either into the garden or into the driveway. I may end up just going with a rain barrel which is my last choice. My friend said he would sell me his oak barrel for $150...I told him maybe if he put in a spigot
I guess I'll be planting today, have a great day, cool forum, Lori