I checked the purchasing options, and it seems that if you’re buying the laptop in the US and Canada (can only confirm US at this time) the Wi-Fi card is still not preinstalled, but all other regions will have it that way.
The difficult part about the Wi-Fi card is attaching the antenna cables and keeping them attached while you screw down the card. It takes a little effort, but is not impossible for a beginner, especially if you follow Framework’s guides. The good part is that if you do accidentally break something, the Framework support team will be able to work with you to help you replace the parts, as they know that the Wi-Fi installation is something many have struggled with.
That said, the prebuilt configs are not a bad idea if you are worried about setup. If you have replaced RAM before you can definitely save some money by buying the Performance tier laptop and getting your own 32gb sodimm kit. Just make sure to check out Framework’s Official RAM Compatibility List. These aren’t the only kits that work, but they have been tested by the Framework team to definitely work in the laptop.