If you are able, I would recommend you purchase a lower and assemble it, then purchase a White Oak Armament upper. If you do not feel confident in building the lower, I would buy the lower and upper separately. It saves you from paying the tax on a complete rifle.
Unless things have changed recently, I would stay away from the Colt lowers. I have heard that they are machined differently to prevent full auto conversions and the machining can cause problems with the higher end triggers (I have not verified the triggers will not work) . Higher end triggers are very nice and are recommended if you can swing it. I have stayed away from the Colts. They seem to work fine, but they are higher priced with no real benefit for the extra money.
Here is a link with instructions on building. (Lowers are easy to put together and do not require any high price tools)
http://www.ar15.com/forums/topic.html?b=3&f=4&t=226782
The White Oak Armament upper is not a top of the line setup, but it is very close (the main difference is the barrel). It has a barrel tube that gives you a free floating barrel and if you use a sling the sling tension will not shift your point of aim. White Oak is affiliated with John Holliger. John is one of the top competitive AR builders in the country and he has helped both me and my brother with (self induced) issues we were having.
If you are planning on a better trigger you can also buy a lower kit from White Oak that does not have a trigger and save a few dollars.
Here is a link
http://www.whiteoakarmament.com/
There are a few manufactures that actually build lowers. They build the lowers and mark them for the company they are building for. Here is a link with some info.
http://www.ar15.com/forums/topic.html?b=3&f=12&t=318113
I would also recommend the Wylde chamber. They seem to do well with what ever you feed them.
I would also highly recommend checking out the following books.
The Competitive AR15: the ultimate technical guide
http://www.zediker.com/books/ar2/ARII_main.html
Black Magic—The Ultra Accurate AR-15
http://www.midwayusa.com/viewProduct...265&t=11082005