RE: Is it time to build?
Are you learning on your own? I mean, do you have an instructor helping you? If not, then I would really consider getting one to help. You will "solo" much sooner, which includes landing, of course. Your commens about the crashes hint that you may be trying this on your own. I would suggest that you wait until you are able to take off, fly, then land successfully every time you fly, not occasionally.
I would guess your next choice would be up to you, either kit or ARF.. depending on your building skills. It's never to late to learn to build vs. an ARF, but if you want to get up quickly, then an ARF is the way to go.
CGr