[Pip]

IMHO i think the more "junk (subjective i know)" you put on your gun, the more you have to worry about. Say you grab a m4RIS (or any other gun for that matter) and load it up with a surefire, lasers and fancy mag clamps and all sorts of elaborate optics, the more things you have to look out for in terms of maintainance (read: batteries, cleaning, making sure you don't bogg up the installation etc).
I personally like bare guns, or ones with limited additions. Because lets face it, how many times are you going to be needing everything?
Anyway, start stock and work your way up, not only does it give you a nice feel for what you might want in the future in terms of upgrades, you'll also save yourself a ton of cash that you can use later.

So yeah, thats just my 2c