Yep, unless you have firm opinions as to what components you want, and the patience and time to wait for them to come on sale, you will get absolutely nickeled and dimed to death trying to build your own bike.
Those that build their own bikes either have a storehouse of parts to use, very firm ideas what they want where budget is no object, or some combination of the two. For a newb, or even an intermediate rider, building your own bike would be an expensive proposition.