I would suggest buying a boat if finances are involved. You will spend more
on your boat than you can tell by going with plans instead of kits. These
people use good quality materials purchased in bulk and the cuts made by the
kit makers are much more precise than you can make using hand tools. I have
built boats both ways and highly recommend kits. But then I have a job and
two young children..........

Finances aside, the experience of building your own boat is one of the more
memorable things you can do.
It also is addictive, so be prepared to look at many plans and say "I can do
that".

I am a chef by trade and my wood working skills get better all the time,
but I had no experience when I built my first boat, the FL14 offer by the
same company you are considering, and it turned out great!