Your journey with lower-watt tube amps -- Can a kit be good enough?

Looking for stories about your low-watt amp journeys.

Here's the situation: I have new speakers, 97 db. Trying them with lower watt tube amps (45/211, 300b, etc) seems generally wise. I am attempting to borrow some from audiophiles in the area. 

The horizon beyond trying these things involves actually buying some. I'm looking at a budget limit of about $5k.

Curious as to folks' experience with lower-watt amp kits vs. those of good makers (e.g. Dennis Had, etc.).

If you have any thoughts about the following, I'd be interested:

Did you start out with a kit and then get dissatisfied? Why?

Did you compare kits vs. pre-made and find big differences?

Did you find you could get the equivalent level of quality in a kit for much less than the same pre-made version? How about kit vs. used?

Also: did you find there was a difference between "point to point wiring" vs. "PCB" in these various permutations?

I realize that there are good kits and bad ones, good pre-made amps and bad ones. I'm hoping you'll be comparing units which seem at comparable levels of quality and price-points.

Thanks.