Kit or ARF
I started with an ARF. After the first crash i found it wasn't hart to figure out how to repair it at all. If i had built it from a kit it would have saved less than 10 minutes. It was nice to start out with something pre assembled.
My second heli is a kit, because it wasn't available as an ARF, but, the kit doesn't look too hard either. Much easier than building a plane.