Unless your the guy that comes to my house to use all my tools. Then its cheaper for you.
That's 100% correct!
The real question is how many tools u have access to; either buying or borrowing? That will really tell u what u can get for your budget. If you're looking for as cheap as humanly possible, then something like those Palmetto kits seem like pretty good deals plus it's good for first timers because it literally gots everything you'll need. But only if u can have someone help u out.
If u plan on getting a tricked out ar with specific parts that are higher end (geissle trigger, a brand name barrel, some fancy stock of your dreams with some super cool and expensive handgaurd) then there's a chance u could build it cheaper buy/borrowing specific tools. It would save u even more if u had tools in general; work area, vise, punches, pliers, hammer assortment, etc.