I am competitive, so need all the points from Pinstars rules I can get + my fulfil the extra goals I set myself, so it was an obvious choice to wait with building. And with all the challenges I did for the sims 3 here at the site I am so used to playing on the lawn, I cant really build stuff anymore
And later on, a family winds up making more money than you can figure out what to do with, if they're skilling effectively. Writers bring in an insane amount of money as time goes on, so you can focus on the points early on and then build later when you're bringing in more cash. Besides, it's the LOT value, not the house value.
I'm terrible at building, for what it's worth. I've been exploiting Playalot's builds in order to learn more about how to put my own together and still wind up feeling frustrated. I love indoor screen shots, but when it comes to earning the most points, it's easier, as you said, to hold off on building.
It goes without saying that I'm also happy to know I'm not the only one who lost building skill by living on the lawn lol