Nonsense! You have the entire Hearth.com community here to guide you, and the required tools are not expensive. I have watched many here build raised hearths with success, even when it was clear many of them had zero prior experience. Figure out what you want it to look like, describe what you want here, and we'll guide you thru the process. You can do this.
Very valid point. I had never built anything like this before, never done tiling etc. Borrowed a wet saw for the tile, but rest was new tools but not expensive. I ended up with a very nice loking raised hearth (about 6" raised). Probably took me a bit longer than the experienced folks would have done but I managed to get it in place. Very likely less than a commercial pad and MUCH nicer in the end - besides I don't think they make anything like this in pre-fab (especially as I did some "odd" dimensions so it would look good in the space I had.