The BD complete is pretty nice. My lbs was willing to credit the cost of the things I wanted to change out like saddle, handlebars and shifters. Unless you want to completely customize it you may have the best deal by getting the full build and either selling your xtra or removing the xtra, and selling it and your bike separately depending on resale in your area. Around here an xtra kit goes for almost the retail price but a full on xtracycle doesn't sell as well.