Put it this way, If your unsure of yourself and want a kit to make your first attempt in H2O easy? Then a kit will give you that safety net your looking for. But if you want to expand or change parts down the road, you will have to start from scratch anyhow, the kits just dont do well adding blocks or trying to incorperate into a larger loop. Now if you can build a computer that is worthy of an H2O system, like most here(have taken the time to get the right parts and spent the money, building the right rig for them)? If you can do that, then I beleave you have the skills to build a custom(pick your own parts) H2O rig. Just ask questions, like your doing, and take your time(like leak test 24hrs.). Its not as hard to build H2O as you think, it hurts you wallet more then anything, but what doesnt in PC building! The one point that nobody said, is that the price vs. temps that your getting from H2O, Its not a, "bang for your buck" kinda thing. You can spend $300+ on a nice single loop H2O with say 3 blocks and still only get a -3c better temp then on air! Same token though, during high stress/overclocking/load testing, the money vs. temp starts getting better, you can push higher and the H2O will keep the temps down better then air would! But never to the point, like I said, that it would be a "bang for your buck" temp drop! So at some point you have to say is H2O even worth it, well it is if you have the money to spend! If you spent money on H2O yet you dont have the best PSU or RAM, then I would say get those first, since H2O wont help if you cant even push your system due to poor Ram/PSU! IMO, H2O is more of an modding choice, some people like lights and or windows, yet some like just a white computer with no frills! I think H2O is like a "big light" that some like and others will never want or need! Just remember, computers have been running off air with no issues for years, so there will never be a true need for any H2O(have to have or it wont work), but its sure fun to have/build it anyway!