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Pre-built machines often come loaded with tons of software. Manufacturers get huge discounted deals to load them onto their computers. For many people, however, the majority of that software is something they have no use for. Building your own PC allows you to avoid the time-consuming hassle of uninstalling extraneous software on a stock machine. Time is money. Buy the software that you know you want and install it yourself.
Even if you are paying full price for the software you do want, it will be less expensive than buying something that comes loaded with a lot more you have no use for. You do not have to be a computer programming whiz or have tons of experience building computers to know what you want to do with one. Knowing is half the battle. When you know what your goals are, you can pick the operating system that is right for you and the software that is compatible with it. Some barebone kits may come with an operating system already, but most will not. Check to make sure before making your purchase.