If we're talking exclusively hovering, no or virtually no automatic compensation, at what X is the craft able to remain in (more or less) the same place for wind Y? I'm not sure what X should even be. Is it weight? Is it some kind of lift ratio? Is it physical size? Cross section perhaps? Will everything glide effortlessly on the breeze, or will inertia at some point get in the way? Imagine I'm not touching the sticks at all...
This depends more on your controller than your airframe beyond a certain point. So long as the airframe has the power to fight the wind, if the controller has a good position fix (GPS) and good control it will do what is necessary to maintain position for you -- it may bounce a bit or fly at an odd angle, but it will fight the wind for you (which will actually do little for improving your piloting skills). If it doesn't then you must be the pilot and your craft will drift in the river of air with the current.
If the craft will only self level and/or altitude hold, *ANY* wind will cause an unbounded drift regardless of how well the craft is tuned or any other physical characteristics -- it is floating in a river of air, being pushed downstream with nothing but the pilot to reference it to a point on the ground. Without position hold, the craft will feel much like it is sliding on ice or floating in water -- any momentum you build up you keep until you counter it, and it will drift as the outside forces press on it. With position hold, the craft is flying for you -- you're only suggesting where you'd like it to go.
Your weight and thrust will contribute to your penetration ability. Your physical dimensions (size of airframe and size of props) will contribute against penetration.
I'll tell you my two most common gripes flying something as small as I am:
1. flying in a circle, you do the mental calculations in your hear when going against the wind, but as soon as you change direction, you're now suddenly flying with the wind, at which point you lose control, and either crash against something or against the ground.
2. Simply taking off in the wind, and not getting a) thrown away sideways or b) simply thrown to the ground violently
That's not unusual for fighting the wind with a craft too light in weight and power, but high enough drag to give the wind a hold . . . and it's pretty much the same in fixed wing as well. Most 250 class quads will perform better on this than the micor and nano quads driven by brushed motors. If you lean toward a heavier battery (3s2200) or stronger motors (2206-ish), the airframe will perform better in wind, but may loos a lot of it's weightless feel. Tradeoffs.
Transportation in my case means something like subway or bike. In both cases I'd need to basically fit it on my back. That's of considerably less consequence than wind resilience, though.
I'd prefer to build, but it depends largely on what my hobby store has in store, as it were. I'd ideally like to buy everything form the hobby store, for two reasons. 1. I like to support them. 2. If things break, I don't have to wait for delivery. I can just go there and get what I want. I made mistake 2 when I got in to cars. Having to ship from the UK to Belgium and Germany was much too much of a hassle. That's not to say I can't order the occasional thing online, but nothing sucks as much as a weekend when you want to fly or drive, but you can't because of that one little thing that broke yesterday. This is primarily what limits me, which is why I was curious about the 450 size. As this limits me, I'm less able to take your advice into consideration, as I'll likely be forced to simply accept whatever they sell, but at least I'll be armed with some useful knowledge.
That may ham-string you a bit since you'll be limited by your LHS's stock (even good ones won't have some exotic gear multirotors crave), but we all make personal choices.
In most cases if you build a reliable frame, the item you will go through most frequently will be props, so needing a local source of supply may not be as critical as you imagine. If you order them in decent quantity (I tend to order them in batches of 30-40 at a time) you should have good warning before you run out in order to reorder. Booms are next most common, depending on the design, so if you go with a locally sourced square wooden dowel, they should be easy to replace, but you'll break them more often.
There are some almost-impossible-to-destroy frames, some in carbon, some in fiberglass, but one I'd recommend (almost because it's on the heavy side) is the "HMB 235" from MultiRC. the frame is cut out of fairly thick HDPE and is a sturdy design. I've been flying 10"x1/2" square HDPE booms on a 550 size V-Tail quad and they're neigh on indestructible. Bendable, sure, but bend it back and you're good to go. the beauty of this is your electronics NEVER take the brunt of the hit. The plastic deforms on impact taking the shock for it and with a little bit of muscle you straighten it out (and replace the props) and you're back in the air in minutes. For what you seem to want to do, this looks to me like a good direction to go, but you will have to order some parts online -- just no way around that.