Ram, Raid and Disk aside,
You should decide what kind of nas you will be using first.
Building your own custom nas seems cool and spot-on in term of performance/price. Just remember that you're the one who will maintain it. You will need to study, experiments, and prepare for the worst.
also, DO NOT go for ZFS unless you're tech-savvy and have lot of time to learn it. ZFS have huge learning curve and you need to do a lot of experiments to build a reliable, stable, and safe zfs nas.
I suggest you save more money for expandable synology/qnap system.
I had freenas for 5+ years and quite lucky enough that my data are still intact (consumer-grade hardware, non-ecc ram, scrub only 2 or 3 times a year, etc)
Now I'm happy with my synology; why?
1. Far easier to maintain, don't need to concern yourself with hardware (except ram, drive, ssd cache) and complicated technical stuffs.
2. You can easily expand it however you wish. ZFS on the other hand, you need plan your expansion and raid structure beforehand to be scaleable in the future as you cannot "expand" an existing pool that simple.
3. When something happened is when the nightmare start for zfs. Before you try to get help on freenas forum, they will ask your specs, if you do not have their recommended specs, well... good luck, especially you're on a budget.
Make your life easier and buy prebuilt nas. They have easy-to-use UI, tons of apps, and professional support.
SHR2 + hot spares + scheduled short, long SMART, scrub, update + good UPS + strict user permissions + put some dust filter (this little box surprisingly quite a dust magnet)
Then you don't have to worry about anything else.