I think I am more partial to stock. THAT SAID......stock often costs MORE than simply making your own or going custom mostly b/c a lot of the parts aren't in production. I am in the middle of "Super Shopping" my Johnny Mnemonic. I think it would be more of a restore if there were more stock stuff available. BUT I am kind of having fun coming up with my own.
I think both approaches have viability in the world....