The complete bike will be cheaper, but you need to look at what you would end up replacing. I bought a cross check which was built up from the frame, and it just happened to be 1) my size and 2) the components I would have chosen. Ebay may be another place to keep an eye on - these are popular enough bikes that there will be some for sale. If you ride a smaller sized frame, the cross check will have 700c wheels, and the LHT will be 26". That would make a difference for me.

CA