Decided to order just the frame (and very glad they changed the paint job so we don't have matching bikes) for a couple of reasons. For starters, we're going to flat trekking bars with SRAM grip shifts and SRAM rear-deraileur. May still be having wheels built with dyno hub and, regardless, want to invest in stronger wheels right off the start. And I want that XT triple chainring.
Secondly, I want to build the bike myself to continue sharpening my own self-reliance. I'll have the shop install the headset, but ordering the parts one by one from online discounters and building the bike slowly over the winter should really help me get to know the bike and be able to repair it when the time comes.
Lastly, we're in a down-sizing phase and ordering the parts individually allows us to pay as we go with the money we get from selling things we no longer use or want.
Just a few things to consider when deciding to buy a complete bike or build up your own.