RE: when is says kit
As said, it can vary.
Given that the majority of modellers now fly ARTF, I think the kit manufactures should spend some time revising their kits to meet our needs, ie the needs of dedicated builders.
I usually end up replacing most of the accessories for one reason or another, so to me it would be better if they weren't in the kit in the first place.
On the other hand, decent fibreglass cowls and spats would be good rather than the cheap ABS versions in most kits.