The success of any tank is dependent on you. You could have your local fish store make your saltwater, and maybe experience water quality issues. Or you could make your own water and know that it's a quality mix.
You can use your own RO/DI for top-off, and know that the water is Zero TDS, and won't cause water quality issues. Or you can get your RO/DI from the local fish store and potentially have higher TDS which wouldn't be good for your fish tank.
There are always risks when you depend on someone else for anything.
Aside from that, you can't have a tank and a sump without drilling or hob overflow. You could remove the sump and build a DIY "sump" inside the tank like many of the All-in-one tanks. But you would lose real estate for aquascaping.