I have only done one kit in my 30+ years of quilting and that was last summer. It was a kit I picked up at a garage sale and there was barely enough to finish the quilt. I have to say that the kit looked complete when I purchased it for $1.00 and the top is very pretty. I haven't finished it yet but there is no fabric for a border. I am thinking about adding a border but that is on my to do list.
I have not done any BOTM month kits. I do have one sitting here from years ago but since I only have a single block it is in the stack of "put with a scrappy quilt someday" pile.