I purchased a kit which I. Felt was very expensive at the time. Since then I have started to add up how much fabric for a quilt costs. When I buy I usually buy the top, those fabrics I donot have in my stash. Then the backing at £15 a yard 4 yards. £60 . This is expensive just for the back. You also with a kit don't have to sometimes do any cutting as I believe some ar ready cut. Just think open layout and go. No mess of cutting and pieces are cut by a professional or with special cutters. I enjoyed mine although did make a door cover instead of a so gle quilt. What I enjoyed most was the high quality of the fabric.
Only one way to see if a kit is for you, buy one or ask Santa.