I received that exact upper a few days ago, and a complete PSA lower is currently headed my way on the UPS truck, so we are going to have very similar rifles.
First, the BCG and charging handle (assuming you order one) came assembled in the upper. But as someone else mentioned, it's not a big deal, as you'll have to take it out every time you clean it anyway. It's not "installed." It just pulls out.
If you order the standard MOE handguard from BCM, they will install it for you.
You do not need a smith to install the sight. It just attaches to the rail. It will take you no more than a minute. You'll spend more time looking for a screwdriver.
For the person who asked about a sling, there is a sling swivel attached to the bottom of the front sight assembly. You can see it in the picture.