ARF
I would recommend you buy the ARF. It is correct that the kit would be great experience, but I don't think building is good for a first plane.
I'd also like to offer another possibly cheaper alternative. Check out the local flying clubs and, inevitably, someone will have a trainer (maybe even a kadet) for sale RTF (ready to fly) with radio.
I bought a Stik from a club member that was completely ready to fly with radio for $180. All servos, x-mitter, etc were installed and he even let me test fly it.
Unless you really like to build, go with the above. You'll have less invested. You'll have less to lose when/ if you crash. You'll have a plane that's been a proven flyer to get you in the air and give you time to learn what you need/ want for your first kit.
Welcome to the club!
Mike