Build It-Recommended, But Buy the Insert Plates
Sorry for the late response to your question-wasn't on yesterday. I bought a router table and fence with all the trimmings from Woodhaven (I think) a few years back. Found that the split fence, t-tracks, plastic guards and featherboards to just add to the frustration of set up. So just in the last month I built two separate router table tops and fences that can be fitted into the legs/frame that I have. The reason for 2 different tops and fences is simple-one is used for my PC690, the other for my PC 7315 (big 3hp Powermatic). I do recommend buying the 1/4" heavy duty metal insert plates from Rockler, then fitting them to the table tops. As far as aesthetics, I built the table top on one from 3/4" Baltic Birch ply, and edge banded it with oak strips. Finished it with wiping on gel varnish (Bartley's) and it looks great. The other table I built out of MDF, edge banded it, and waxed with paste wax.
As far as fences, the split versions I've used have been a pain to level (shims, etc.), so I've opted for single piece fences cut to accomodate the largest bit I would use. In using smaller bits, I simply fasten one of several auxiliary 1/2 or 3/4" MDF fences to the face of the primary fence with a set of clamps. Each has an opening sized roughly to the bit, I"ll be using.