It's vastly more rewarding to build together. To have that partner that you go through highs and lows with while growing closer and prospering from what life throws at you.
But that's not realistic. I feel like women would MUCH rather a man be as complete as he's going to be, and a man would rather have it together prior to. Now, whether a woman has her shyt together? The average man don't care about that shyt. If you're attractive and are loyal, for the most part, a breh is content.
Standards ought to be raised there, but until they are, women are fortunate to have a relatively low bar to reach for the average breh.
Having your shyt together beforehand is ideal. Now, what that means to you or anybody else? That's all relative. But for a guy trying to be about something, it BEHOOVES him to have his shyt together as best he can before trying to actually cuff one and get out of the game. Too much at stake from a pride, ego and legal standpoint.