RE: rtf or building
Safety-mindedness is always a good thing but you need to be able to exercise good judgement too. Fools will always find a way to hurt themselves or someone else.
I've stopped flying at one field because they had a couple of accidents with idiots maiming themselves and the rest of the 250 people who use the field now have to live with the over-reaction of the safety police.
You'll be a popular addition to the club being a paramedic!
Safety comes from the acquired piloting skills and also from the self-discipline to exercise the correct procedures on the ground and in the air. That's the real value of learning at a club rather than just lobbing a model out of your back yard.
if you buy a an airframe, radio and engine combination that's familiar to the club, you'll get more value from your membership than just turning up with a "Mystery 46 " .
Good Luck with your purchases!