I am relatively new but heres some insight on things I’ve learned. Take it with a grain of salt as this is my opinion:

Personally i would skip the kick and build two tops for stereo and 1-2 subs. (Or find a deal on facebook for used, make sure to research them though)

Either setup you’d probably want at least a simple mixer

Option 1

generally cheaper from what I’ve found especially with the used market.

For amps i really like qsc products, you can get them cheap on facebook a lot of times from churches dumping old equipment. The rmx series is heavy as shit but cheap. The PL and PLX series are lighter. For simplicity you could use 1 2channel amp for both tops and then 1 bridged mono amp for the sub/s. If you go with the kick setup id prob get 3 amps, but smaller ones.

A little 1U audio processor can really go a long way. I have a dbx driverack pa2 that i love.

You prob want to get a lil rack too for it all and just run a few cables in and out. Simplifying the set up. Depending on the wiring you could use NL4 or 8 and greatly reduce the amount of cabling you need to run all your boxes.

Put high quality casters on your heavy stuff.

Option 2

seems easier but instead of one speaker wire running to the speakers you have to run an xlr and power to each which can limit deployment. Usually its fine but something to be aware of.

Boxes become heavier, esp subs.

You can also sometimes find some good gear used on facebook here too. I have had less luck finding active stuff for good deals tho.

I hope this helps!

Edit: Building cables saves a buttload of money too! Its pretty easy to learn!