I myself am in a position where I'm super young (26) and my lack of flying over the last 2 years was half because of cost, distance from a place to rent, and lack of flexibility when it comes to renting from a school, and half because it took me a long time to get my medical back after having to prove I was worthy of my ticket.
What this means for me is that I want my own plane because I'm tired of being told when and where I can fly and I simultaneously want to cut some costs (obviously in trade for others). Having the ability to fly off airport means I can take my plane just about anywhere I would normally drive, it means when me and the wife buy our forever home with a little land, I can build an airstrip.
All that to say, I'm in the middle of the analysis paralysis too trying to figure out what plane to get and whether to build or buy an older one. I know I want to keep it experimental to save on maintenance as I'm fully capable on that front. Mr you know who really makes the kitfox seem like the way to go but I know there's a number of comparable models like the Avid, Just Aircraft, A couple of Rans models, Ridge Runner, and Eurofox, some of which are discontinued and there's only old ones left but then comes where to find them and whether a new build might actually be worth the price tag. The concept of building though does seem overwhelming as an on my own kind of task.
Moral of the story is, I have no wise words to offer as I'm in a similar position!
I can't help you choose the right plane, but I can sympathize with this sentiment. I felt much the same way when I first brought my second-hand project home. It's an enormous task, and I had no idea where to start. So it sat for more than a month while I hesitated and wondered what to do. Finally I heeded the advice I'd been given, took it all apart and started making repairs. Now I've reached the point where I'm mostly in assembly mode. Just eat the elephant one bite at a time, and eventually you'll be flying. Every minute of work on the build gets you a minute closer to having a plane that you built with your own hands.
Eric Page
Building: Kitfox 5 Safari | Rotax 912iS | Dynon HDX
Member: EAA Lifetime, AOPA, ALPA
ATP: AMEL | Comm: ASEL, Glider | ATCS: CTO
Map of Landings
Build one at a time. You could order both kits at the same time, and with the differential on delivery, you'll have one almost done before the other shows up? The kits have value, and you could sell either one to another builder/buyer at any point in the process, likely for a little more than you spent.
Personally, the sort of perseverating you describe I think of as, "Torturing myself." As in, I think I will torture myself for another few weeks trying to make a decision. Yeah, it builds character...