So, I just checked for grins on the price of a 105 gruppo. About $650.
http://www.probikekit.com/display.php?code=D0099
A Centaur gruppo. About $710.
http://www.probikekit.com/display.php?code=L0150
An Athena gruppo. About $890.
http://www.probikekit.com/display.php?code=L0048
I'm sure you could beat these prices, I know I have on the Campy Centaur gruppo by a mile.
Choices, choices.
Any of these I just mentioned would work well for entry level Cat 4 racing.
They are going to get mushed in the first crash anyway.
Back to the op, what custom builder are you considering?