no diss to stu (as i build my own too) but for your average home user the fact that youve got some comeback if anything goes wrong is worth having imho.

bit like cars really... i for 15k you can build a well fast nice saph etc. etc.
or you could go out and buy a nice new ford focus.

the saph might have all the "right bits" and be a superior car, but your average joe on the street wants a new car that drives nice and if it goes wrong they can take it back to the garage and get it fixed for free