I like to work on stuff, so building my own plane seemed like the thing to do. I wanted to fly into backcountry places without worrying about long landing distances. I didn't want to spend the rest of my life building a plane. I didn't want to die in one, either. (Lost a friend in a homebuilt)
So, I got a kit, with most of the holes pre-drilled, from a manufacturer that has hundreds already flying with no major problems. It took 300 hours to build it. The kit was nearly complete, with only a few instruments and the radio needing to be added, so the cost came out very close to what I expected in the first place.
The insurance companies had never heard of an ICP Savannah before, but when I told them it was a clone of the Zenith CH701, and that I had flown one of them, then they would take to me. Not all at once, though. Only Falcon, in conjunction with EAA would have anything to do with it for the first year. After that, I changed to Avemco and am saving money.
Problems with the aircraft have been minor. I would get one that has an internet discussion group that is active. That resource is quite helpful.
Being able to work on and modify my plane as desired, without the FAA having to oversee and approve everything is one of the big advantages of having a homebuilt.
My Savannah will probably land anywhere you can get a plane in and out in terms of length of runway. With a weight of 1230 pounds max and 800X6 tires (18 in dia) very rough runways are not fun. Even so, I've landed in farm fields, desert playas, beaches, and plenty of grass strips.
I'm not sorry I built my plane at all. The costs came out very close to what I expected, and the reliability and operating costs have been great. Stick with a manufacturer that has a track record, an active builder base communicating, and have a blast.
tom