A big bore kit is a huge investment! You are right with just sticking to something simple if you don't have the funds. A big bore build is not something that should be done over time. Wait until you have more than enough money.
I am just recently wrapping up my 240 with +3 build I've been working on for months. Still have barely even started the first break in tank because there are lots of little things that you run into that will require more money and lost time waiting on parts.
If you want it done right and done right the first time, there is more to it than just the cylinder kit and carb. You need to find a good pipe to match, modify air box or buy cfm or something like that, porting, reeds to help flow, and other little things that go on like intake manifold, throttle cable, many jets and most likely slide and needle, etc.
Not trying to tell you not to do a build like that but you need to LOTS of research, talk to builders like Ken, save, save, and then save some more because you never know what you are going to run into along the way.