Time
Gisom,
Ah, the age old debate over kit vs. ARF.
In the end its your money.
My thoughts, I've been flying a year and working on a 4*60 kit since October. Its still 4-6 weeks from flying. I really enjoy working on it, but life and my limited modeling skills impact my speed.
If it were September I'd say build it, since its almost May, I'd say get an ARF.
I trained last summer with 5 other guys and there was only one major crash in the bunch, and that was in October. So, the idea that you're going to regularly turn your trainer into a pile of sticks (during a supervised training program) isn't what I've seen. So, don't be afraid of balsa planes, and don't think you have to build them from scratch to keep them flying.
L8r