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As for building one, or at-least putting a complete upper on a lower... It is not difficult, you may save some buy not tons of money unless skimping on quality.
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Bud's Gun Shop has complete Stag lowers for $270:
http://www.budsgunshop.com/catalog/p...+LOWER+5.56223
IIRC, federal excise tax on firearms is 10%. For the Stag lower, that would be $27. For the complete Colt 6920 from DSG, the tax would be $90. The difference would be $63, minus the extra shipping charge for two shipments instead of one. My guess is you'd come out $50 ahead for slightly more effort (perhaps a few minutes extra online).
Is $50 tons of money? Nope. But it does buy ammo or some extra mags. For me, it would be worth it.