Welcome back Lonnie and thank you for your service!
Things have certainly changed over the years but there remains so many niches where one can do as little or as much of a build as they desire. Some choose to build from plans. Some make their own plans. Some buy a wood kit (Zippkits.com have a number to work from) and customize as they go and others buy glass boats or full custom ready to run. Most still do it for social running though there exist many clubs around the country where racers meet.
Certainly dont hesitate to let us know if theres any questions we can help with.