Needless to say if you can diy in your spare time it’s the most bang for buck…
Also buying used (someone’s diy) can be much less expensive.
Its true that you need to know what you like the sound of though …for me it was mostly in terms of high sensitivity vs. low sensitivity.
For my first build I did not …and I went ahead and built a pair of speakers (B741SS) from Madisound that I was terribly disappointed in…and even these weren’t inexpensive (in my world).
I then built a different high sensitivity design and was much happier. Live and learn!