I passed this very same milestone myself about 6 months ago.
I decided to buy my first upper complete, but on my second build I wanted to be able to "save" even more $. The only problem is that I ended up breaking about even, because I am one of those nerdy types who always buys all the "correct" tools to do the job (because I like to buy tools I guess
)
I say build it yourself...but not just to save the $, it gives you a great feeling to completely build your first gun completely from parts!! Plus you gain the knowledge of barrel removal and installation so you wont be one of the "afraid to change my barrel scaredy cats" in the future!
The point I am trying to make is that you may not save any $ on your first build, but any uppers you build from now on (after the tool investment) will save you some $$!!
This is your decision, as if you are any kind of tinkerer / mechanic - you know you can improvise tools pretty easily in a crunch...BUT...
I will tell you it is MUCH easier with the following tools:
Barrel wrench with square "cut out" for use with torque wrench
Upper action block - this holds your upper securely and without scratching it while in a vise
Torque wrench - you will use this to get the correct torque on the barrel
Solid Bench Vise - to hold the upper with in the "action block"
*Go / No Go gauges - these will tell you if your headspace is correct and safe to shoot
*I have installed 3 uppers / new barrels / new bolts and have never had a bad head space issue. Some say you do not have to worry about it, some say you would be a fool not to - I decided to not take any chances and know for sure
I bought all of the above tools new from various sources and I think it came to about $170 or so.
Hope this helps!