RMXP is only good if you have a spare $60 to part with and want to waste. Most people who use the starter kit have no idea how it really works.
If something went wrong they wouldn't be able to debug it as they weren't the initial creators of it. I know a lot of projects are using it, and they do all look the same, there's no new features added to make the user feel a fresh and new game, with the exception of a few games of course (Wichu's being one).
Taking the road of programming/coding things yourself not only leaves you with a game you know how to debug if an error occurs, it also welcomes you to the world of programming, and by learning ruby or javascript, you begin to understand the basics of most languages and then are only left with the syntax of each language to learn.
don't be fooled by the "easy option".