I'm going with packaged 100ah, 12 volt lifepo4 batteries with balancers.
These are highly rated and they seem like quality balancers. They have an aluminum case.
One balancer can balance 8 - 12 volt batteries in a 48 volt setup. 2P, 4S. or just 4S.
Its easy to swap out 12 volt batteries. They have their own BMS. They have a plastic case, etc. They show up from Amazon in a few days usually with free shipping. If one goes bad, its not hard to get another.
If you make your own battery, you need to put dividers between cells. They say you are supposed to supply some compression, but not too much, etc. Its a lot more complex. You need to keep the cell cans away from each other. They can't sit on a conductive shelf. A case is a really good idea. But where does that come from?
There is nothing wrong with assembling your own battery, it all comes down to what you want to do.
The best quality, low cost, 12 volt 100ah batteries I have found that are consistent, are the Redodo batteries. They used to be called Zoom.
They have a 5 year warranty. Every battery I have purchased from them has tested to well over 100 ah. Some over 105ah.
If you shop carefully you can get them for about $200 each. They go on sale once in a while for a bit less.
So 48 volts at 100 ah for about $800 delivered plus a balancer for $55 = $855 for just over 5KWHR at 48 volts. You need to add interconnecting cables as well of course.