Advantages and Disadvantages to Buying a Pre-Built Desktop Versus Building Your Own

I have been wanting for some time now to build my own desktop computer, as that is something I have never done before. Mainly the reasons are all those listed below under "Advantages of building your own desktop computer". The only problem for me is that I can't find any good reason to spend this kind of money on a new computer. Yes, my current desktop is getting old and I would like to use it as a server, but I have a perfectly good year-old laptop that satisfies any computing need I might have. I'm not much into PC gaming anymore, and that seems to be the only major reason to buy a powerhouse of a desktop.

I need not build a top-of-the-line desktop, but I would still like to make it fairly future-proof if I do spend the money on one. In any case, here are some advantages and disadvantages to buying a pre-built desktop versus building your own.

Advantages of a store-bought desktop computer:

-Pre-built, ready to use
-Recovery partition and recovery disk creation
-No installing drivers
-Extended service plans are available
-Cost of OS and labour included in price
-Free trials of antivirus and office usually included

Disadvantages of a store-bought desktop computer:

-Don't know exactly what's inside
-Lots of bloatware
-Requires time to set up software and get the right feel
-Manufacturer may cheap out on certain components to lower price
-Must do research on brand names to find best track records

Advantages of building your own desktop computer:

-You select each piece and know exactly what you're buying
-You need not purchase Windows if you so choose/no hassle to refund windows
-You gain experience and understanding about building and troubleshooting a computer
-You can lower costs as you don't have to pay for labour or re-sold components
-You install exactly the software you choose, no more, no less
-You squeeze performance out of your hardware by implementing specific and custom builds and settings

Disadvantages of building your own desktop computer:

-Must download and install all drivers
-Must create drive image if recovery option is wanted
-Requires time to build, install and troubleshoot (this can be an advantage as there are a select few who actually enjoy this process)
-Warranty only extends as far as each piece of hardware comes with
-Must pay for Windows if desired
-Must pay for and wait for shipping (usually)

EDIT: Just recently I priced out the components of a pre-built computer that you might buy at a store. Excluding the cost of the operating system, the prices were comparable. I haven't done extensive research into this, but as far as I can tell, if you buy direct from a hardware company and build a computer yourself, it's not a huge price difference.