if your just starting out... and crashing as much as I did getting started... I wouldn't get to attached to your first build (or two, or three). I have build at least 6 TT fuselages between me and my oldest learning to fly - and this was after damage hit the point were I couldn't just patch them...
So, my take on scratch build vs kit is -> if you have lots of free time (or really enjoy building) - scratch build, but if you have more $ then free time, get a kit (or two).