If you don't want to convert a Saiga then look at the WASRs in a LGS. If you can pick the best of their stock you should get a good one. I've had my WASR going on five years and no problems, great rifle. Of course there are higher end solutions but a good WASR will do what the others do.
The biggest issue with assembling an AR isn't so much getting the parts together right - it's getting the right parts together.
You'll remember the quality of a gun long after you forget how much you paid for it.
US Army 1966-69, VFW Life Member, Retired Geek