By rig I'm assuming you mean GPUs. One of the biggest factors to look at with the rig is that even if the market goes to shit and you have to get out you still have tangible assets (your rig's parts) that can be sold for emergency funding or still be useful for other computing applications etc. This is the biggest determining factor for building a rig for me, that plus newegg gives me credit at cheap rates.
RE: To Mine Or Not To Mine...