Doubt I would ever do a 80% build. I have done builds from stripped lowers and have a few left in the safe but at the prices complete rifles are selling at right now it's not very cost effective. I'm sure that will change with the upcoming election.
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For most people, it's not about saving money. Yes, for those of us who already own mills and the requisite tooling, there's a
small dollar savings, but pretty much amounts to transfer fees only. It's mostly about doing it yourself, and for a few, about having custom rollmarks and no clutter from original manufacturer's markings.