Don't be too concerned about the complete bike costs they are only a ball park figure. The frame will cost the set amount, but what the complete bike will finish at is up to you. True North bikes are true custom machines. They are as expensive (Phil hubs, King headset) or as inexpensive (component wise) as you spec them out.

The bike they are building me is hopefully the last frame I buy. To try and stay as affordable as I can, I descided to go fairly mainstream with parts that I can replace easily (XT hubs, LX Deraliers etc.) , but try and use high end stuff where it is impossible or a pain, to replace (Phil bottom bracket, Race Face headset, custom frame/fork).

If as waig said in the OP that the bike he has, does not fit, a custom bike might be in order. I am a really stange shape, very tall with very short legs, and no production bike has ever really fit me. So this bike will. I feel it is my reward for riding all those miles. So far it has been a really fun experience with most stressful thing choosing the colour.