I'm getting into this a little late, but my experience is a little unique. It took me 3 tries to get my L3. My first two attempts were with a scratch-built upscale Estes Der V-3. First failure was an M2250 CATO. The rocket repair wasn't too hard, so I rebuilt it and tried again. Second failure the main got tangled in the chute bag and never deployed. This time the damage was so extensive it wasn't worth the effort to rebuild. I waited a year and decided to go the kit route for 3 reasons... 1. It was a lot less expensive. 2. I wanted to go fiberglass so I could fly something more resilient, and scratch-building a FG rocket was going to be real expensive. 3. The third try was going to be focused on simplicity, and time savings. Get the thing up. Get it down. Get certified.
All that being said, the most important aspect of an L3 effort is to be able to build and fly a rocket that can handle the stresses of M+ power. Whether it is a kit or a scratch-build, there are things you must do for an L3 Certification that makes the build that much more complex. In my case I had to fabricate a weight to ensure I would not bust a waiver. Plus you still have to build an AV Bay, develop a recovery system, etc. At the end of the day, the kit didn't take away that much time apart from sanding fins.
The third flight I was very confident...not because I had built a kit but because I knew I built the rocket well, with parts and electronics with which I was very familiar. So if I ever get into a situation where I am a CC I will treat scratch-builds and kits equally.
This video shows my progress from mid power to L3, and includes the failures along the way.
[YOUTUBE]3FAkiWLSRqg[/YOUTUBE]