I think the real builders are the scratch builders who start with a few drawings and sheets of aluminium or a load of timber. They're the ones I really admire!
Kit builders are essentially aircraft assemblers rather than builders. Putting a kit together is certainly a big project that requires a fair degree of determination and some skill, but it's not particularly difficult if you choose a high quality kit, like a Vans. Good kits are certainly not cheap, but the saving in time is very substantial. We have one builder at Serpentine who fairly recently completed a superb scratch-built Piel Super Diamant, but it took him 38 years!
One of the main reasons I chose the RV-12 was that it came complete with engine, prop, avionics, wiring, hardware etc. I also knew up-front what it was going to cost, which was another big advantage. A further consideration was that it could be registered either VH or RAA, so if I couldn't maintain a CASA medical, there was still an opportunity to keep flying it. Also a bigger market if I ever sold it.
Building taught me a lot about aircraft, and I also made new friends along the way which was a bonus. I was also fortunate to buy when the dollar was high. Now it would cost me at least another $30-$40k to finish one.
Consequently I consider myself lucky to have a relatively high performance, relatively cheap and very economical aircraft that looks good and flies superbly. Vans like to claim their planes have `total performance', but however you do it, building and flying your own aircraft gives you a `total experience'.