If you are the least bit mechanically inclined I highly recommend building it yourself. Stick with quality parts, and use the manuals which are available for downloading, and a little advise from this board and you won't go wrong. One word of caution, I wouldn't recommend building if your main reason is to save money. Yes you can buy kits that are much cheaper than an off the shelf Bushmaster for example but you will probably have problems. If you buy good parts, and tools you will probably come out about the same in price as a fully built one. Main reasons to build it yourself are knowledge gained, pride, and you can make a configuration that is not available off the shelf.
I would recommend purchasing all Bushmaster parts from ED at Gunsmoke ent. I built up a PWA lower with a Bushmaster A1M4 upper, and have been very pleased with the results. As a matter of fact my next AR purchase will probably be an A3 with 20" gov't profile barrel. I highly recommend that barrel as it saves about a pound of weight and makes the rifle balance so much better, in fact it will weigh less than a 16" HBAR.