Hi Dewight, Welcome to AquariumAdvice.com!
Sounds like you have do your homework, that is great to see. I am a big fan of sumps. Maily because they offer a nice place to hide heaters, skimmers and other equipment as well at add water volume to a tank. They are not hard to put together or use, but I a likeyou, and would rather not deal with making it myself. I bought a manufactured sump. I got an Pro Clear Qauatics system sump/wet-dry and modified it a bit. It is a good system and has a built in skimmer and came with an overflow box for tanks that are not reef-ready. There are also other companies out there that make them as well. From personal experience, I would go witha sump. Lando