The Pica Spit I'm building is a "builder's kit". If you can find one: Pica kit, go fo it!
The BUSA Northstar is also a "builder's kit". but is easier. I am looking forward to a BUSA WW1 kit someday (Soon!! for eh same reason you're asking!!)

the Sig 4* & Somethin Extra are beginenr's kits.
Ditto with most Great Plane kits. My Super Sportster & Slow Poke would be 'advanced beginners', as there is more technique required than a basic box fuse & constant cord wings.

I would class a "builder's kit" as a kit that is really just a box of wood, and basic instructions (pictures optional). It is assumed the buidler has built a few kits, and understands how it all should go together. Also, the buidler is to supply certain (many?!) items of his choice, down to motor mounts & screws. And a "builder's kit" requires some extra tools the 'beginner' might not have.

I mentioned Sig & GP as "beginner's kits" because the instructions are excellent, and offer more than just the basics of how it goes together. Also, there is very minimal 'extra' required to finish the kit, it's all included.

In a few years, I'll be looking at a scratch / short kit!