I'll cast my vote in for build.
I built my first one without incident. (well i did put the buffer in backwards... :p)
They're not that hard to build, and you learn a lot.
I've had really good luck with adcofirearms.com. For the 2 builds I got Mega lowers (carrico'z is local to me), and ordered RRA internals (lower parts kit), RRA 6-pos buttstock, and a RRA complete upper.
The upper requires a lot of special tools, where as the lower pretty much only requires a couple of bunches (I got mine at Sears for ~ $10) and a hammer. I also used a lot of blue painting tape and covered up the lower receiver so I wouldn't scratch it. Took about 3 hours the first time. The only trouble I had was the bolt release pin, just couldn't get that by myself and had to have my dad come help me by holding the lower receiver and the pin while I held the hammer and the punch.
You can get RRA uppers for less than $400 from adco (I think $395), a 6-pos buttstock for $67, and a lower parts kit for $54. You can get mega lowers for $100 or RRA lowers for not much more. So that's only $625 and you have all parts (except maybe lower receiver) from the same manufacturuer, which was a key thing for me. And $4 shipping is NICE.
Build it....I you can walk you can build from a kit. J&T kit appr 450, Lower appr 125.... Where you gonna buy one for $575?
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However, the price quickly adds up on J&T. They charge $18 or something for shipping, and charge you $20 for a 6-position stock. So add that to their cheapest kit at $460, and you're looking at $500 vs going to adco and getting RRA-quality for $520. J&T also have a 2-3 week wait time, Adco is instantaneous.
However, I have heard really good things about J&T and they do have chrome-lined as an option which Adco lacks.
Just my thoughts on my research.