I find building my pc's to be fun and the price savings is just a bonus.
I agree that building one's own is fun and rewarding, but rarely is there a price savings - at least not without some significant compromises along with the possibility of using parts already on hand, such as keyboard, mouse, and monitor, case, PSU, etc. that you don't have to spend additional money on.
Dell, HP, and Acer, for example, can go to ASUS, Microsoft, AMD, Micron, Corsair, Samsung and CoolerMaster and promise to buy 1,000,000 motherboards, Windows licenses, CPUs, RAM, PSUs, SSDs and cases over the next year, then demand and get significant volume discounts. Individual buyers/builders don't have that purchasing power. Yes, careful research (and a lot of patience) with Amazon, Newegg, MicroCenter, B&H and you can find some good sales on some parts - but it may not be the exact motherboard or graphics card you wanted.
HOWEVER, when you build you own, your components will be ATX Form Factor compliant. That means your computer can "evolve" over the next several years with all sorts of upgrade options sure to be compatible. If you buy a factory built, they often use proprietary parts. This means upgrade options tend to be limited and more expensive. Ultimately, what this means is a self-built (if done right from the start) can last many years longer as you stretch its useful life through upgrades. Factory builds are more like laptops, and you have to replace the whole thing, even if you only want to upgrade the CPU.
One HUGE advantage to buying a factory built is they are responsible for all warranty support, including Windows support, for at least one year. One number to call for all problems. When you build your own, you are tech support, for Windows too.
You do have a 3rd option. If you can find a trustworthy local computer shop, most will custom build the computer for you, with parts you choose, for a fee, of course. Many will help you choose parts and may even get you a better price as they may opt to build several identical and buy 5 or 10 each of the components for a small volume discount.
I always used to tell my clients who came in with these questions, who didn't want a factory build, but didn't want to build it themselves, that I cannot beat Dell, HP, or Acer in price. But I can always build a better computer, one that actually is custom built, specifically tailored for that client, one that is not proprietary.
The factory guys will tell you they will "custom" build a computer for you but that is nonsense. If you build your own, you can choose, for example from dozens, if not 100s of graphics cards. Dell might offer 2 or 3. And good luck picking a different case from Acer.
I "bought" my first, brand new factory-built "PC" computer as a "divorce is final" treat to myself back in 1992. I drove up to the Gateway factory in Iowa. Gateway was a top quality brand back then, until they were bought out by Acer - but that's for a different discussion. Prior to my Gateway, I had an Altair 8800, and my C64, then I started building "PCs" using used/cannibalized parts I scrounged from wherever.
Anyway, that Gateway was also the last factory built computer I've own, other than laptops.
If you know how to use a #2 Phillips screwdriver, you can build your own PC. I would encourage you to do so. It will be something you can take pride in.