I've got a Dummy, and boy is it worth the money. However, I was able to build mine completely to my own spec. It's hard to be disappointed in a bike that is exactly what you want. If the pre-built is pretty close to what you'd put on it anyway, I'd go for it. The price difference is made up for by two things: you don't get the same flex you do in an Xtracycle, and you do get all the same options for cargo and parts. And, you can always keep upgrading the parts on the frame, cuz that thing will last forever.