For 95% of people I would say "buy a crate motor". You can build it yourself cheaper, but make one mistake and you're back inside it, and that second set of head gaskets just put you even with a crate motor. The upside of building yourself if that you can spread out your parts purchase over a few months so your wife doesn't notice. If your motor is already down, crate motor all the way.
Same here I keep parts and it annoys my wife. I would build me a new engine but it's kinda like taking some body who's never been to IKEA and say go get all the parts you need. That's my issue. Getting a crate motor and so much easier and I can swap parts. Or sensors its a big chunk of change I don't want to spend right now plus I don't have it lol however I like the way you think. Unfortunately my wife would catch even the smallest amount of money spent lol. I barely got lucky with my new headlight switch thank god for paypal