I'm with KoJ...sometimes you'll get much more buying a bike that is already built than getting all the parts and putting it together, especially if one is just getting into biking. Like Alpha, I'm a Specialized rider...and bought the Roubaix Expert after riding almost every other road bike out there. I went to more than I can count bike shops, took test drives, spoke to techs, bike nuts, and decided in my price point (<4k) which bike offered me the most in components, durability, comfort, and resale when and if I wanted to sell. I guess that is what many of us do with cars too
Whatever you do, good luck and always wear a top of the line helmet because the head that you save, might be your own!