If you have the means to build one I always recommend that route.
The biggest difference is an upgrade path.
If you build your own you can get an entry level CPU, starter GPU, half the max memory, 1 of two or three M.2 HDDs, etc.
Then when the time is right, you can upgrade select components.
Pre-built systems often use proprietary motherboards and cheap cases. The MBs are lacking features, have almost no upgrade path, and the cases often have no room for a second or third HDD.
BTW. If you have a Micro Center near you you can have them build a custom PC for you.