regarding kits: I'm finding that I have less time to do DIY stuff anymore. With a kit I would still have to spend time putting it together, sourcing glass, and cutting or installing mats.

For larger items the kits are probably the way to go.

15$-20$ for a decent 16x20 frame with glass and mat seems like a good value to me.

The people at Aaron Brothers were very friendly and helpful. +1