Fixed ideas

why do people think building a bike is remotely difficult? it's one of the simplest and most self-explanatory machines there is. nearly all of the parts fit together in conventional ways and anything a bit more tricky (headsets, bottom brackets, wheelbuilding etc.) can easily be learned*.

To say you don't even know how to change a tyre just tells me that you've never had to or are too lazy (i very much doubt you are lazy by the way). it's a piece of piss, about twice as hard as making a cup of tea.

A more likely problem is that you don't have the correct tools for certain jobs. This i can sympathise with as they can be very expensive. but fear not! there are ways around this (initiative required).

I suppose my suggestion would be to bide your time and get something that will last you and built it exactly as you want it. Have an idea of what you want or need to avoiding spunking endless cash everywhere. For instance, I am completely happy with my bike but it does not have all the best parts; rather i have tried to buy components of comparable quality (some mid-range, some slightly better). I have done this to avoid that ongoing thing where you're constantly upgrading everything else to meet the standard of your latest addition. Also i wouldn't just think about how you want it to look.

this was just off the top of my head and so lacks much of a point but oh well. good luck and have fun!

*i still have never built a wheel.