Well - I have to say that MOST of my packages arrive in bits - and with little ( if any) paint left on them - BUT - that's because I like them that way!
You see - I like to buy castings. They usually (but not always) arrive as unpainted kits - to be put together and painted by yours truly.
IF any are broken - it is sometimes difficult to know - as they can just be connected together with the rest of the parts. Another advantage is that YOU get to choose the standard of finish that you want (Glossy, Matte, number of colours/shades used etc). You can also alter and adapt to your hearts content. Add a weapon or two to a casting - and you can have a unique piece that nobody else owns.
By far one of the biggest advantages there is with buying castings, however, I have kept until last. The cost can be drastically below that of the finished products that Louis refers to in his post below. Many simple foot figures can be bought from several UK suppliers, for well under £5 or so (around US$7.50) - whilst mounted figures can easily be found that come out at under £10 ( around US$15). Even when you add in the cost of very small amounts of paint/brushes etcetera - it HAS to be one of the more economic ways of satisfying your TS habit! Collect them yourself - and you may even get discount and save postage charges into the bargain!
So if cost IS going to be a major deterant to coming into the hobby - why not give it a go? Just take it quietly - and start with simple pieces - and you will soon be progressing towards pices that are every bit as good ( and often better finished) than professionally painted pieces - which are frequently painted quickly to a deadline. (Have a look at early Hollowcast figures - to see what I mean).
I also promise - it is one of the most rewarding experiences there is - when you succesfully turn several bits and pieces of bare metal - into a Toy Soldier yourself.
So - why not join the painters - and get a new slant on a wonderful hobby.
Best of luck - johnnybach