Senior Member
Join Date: Aug 2006
Location: Central Coast, CA
Posts: 3,392
Bikes: Surly LHT, Specialized Rockhopper, Nashbar Touring (old), Specialized Stumpjumper (older), Nishiki Tourer (model unknown)
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Buy the complete. I built an LHT from a frame. I spent much more than the complete (which wasn't available at the time.) After I had finished it was just a matter of time before I started thinking about replacing a component or two because I wasn't satisfied with my first choice, so I don't think you're immune from replacement costs no matter which route you take.