yes! 
Or, you might make an order from parts via Mouser, Tayda, etc and discover (usually after you’ve started building) that you forgot to order one thing. Frustrating!
I started off buying pcb+panels and buying my own parts. Then life happened, I have no time for DIY, and a gigantic box of bits and bobs
It is “cheaper” than buying a full kit in a pure accounting sense. But, personally, I found (in hindsight) that buying parts required more time and mental energy (for ordering parts and staying organized), notwithstanding the risk of purchasing the wrong thing or too little of something.
Nowadays if I do DIY it’s with a full kit. For me, it saves time and frustration! That’s just me, other people do enjoy it (and I enjoyed it until I lacked time etc to deal with it).