The company I work for is about 30 years old. I work for them for 15 years now. In that time I worked for them, they grew from about 250 employees to about 1300.
Two years before I started working there, they actually build each computer themselves from off the shelf parts.
By the time I started working there, they (and then I
) still did that, but only machines that needed some serious performance. Those were *expensive* to get pre-built.
Some 10 years ago we completely stopped that, and now we only buy prebuilt. Still building them ourselves would just simply be too labor intensive. This would mean more that >300 boxes build, tested and replaced each year, not even beginning to consider repairs.
With Servers this was similar, but we started to buy branded servers earlier, since reliability is paramount in that area.
Regarding support: for simple stuff, like hard drives, memory or power supplies, they simply send us the replacement parts and we do the repair ourselves. For more complicated stuff, like mainboards, a technician is sent to our office.
For private home computers, if someone asks me, I generally recommend getting a pre-built PC, except when high performance or gaming is required. Then building yourself *may* be cheaper.
The pricing balance has shifted a lot in the last years, and when you do not need exceptional performance but rather have reliability and simplicity, getting something pre-built with the manufacturers warranty is unbeatable. Many components are marketed to "Enthusiasts", driving the prices up.
And, let's face it: The common home computer present in virtually every household is dead anyway. Tablets can do all that the home computer did 20 years ago easily.