Left Thumb,
your post is a little confusing. Do you want an ARF (almost ready to fly)?? these usually come with most of the major assemblys built and you just "assemble" them to finish the plane. plane comes about 80-90% built and all assemblies come already covered.

your post says that you want the balsa (maybe precut) included. This makes it sound as if you want to build a kit. most kits come with all the balsa/ply wood that is needed to finish the kit, with the major pieces die or laser cut. The amount of hardware included with the kit depends on the manufacturer. some come with everything needed, minus radio and engine. some come with almost no hardware, but have a list of what is needed to finish the kit. I don't know of any kits that come with monokote, as you will need to purchase this seperately as every person has a different idea of what color scheme to use on their plane.

I'm not sure what level of airplane you are flying now, and what you want to fly next. But if you are looking for a kit that will be good one to learn to build on I would recommend the Sig Somethin Extra. This is an incredible kit. Very good instructions, laser cut parts, a fuselage that is easy to build straight and true, and most hardware included. And the plus of this plane is that is a total blast to fly.

hope this helps.