Welcome to ship-modeling, Mark!
I'm sure you will hear from more experienced folks than me on this subject, but I have gleaned a few important notes during my time so far:
Firstly, I haven't yet built a wooden ship kit, though I have a couple of them in the stash now. You may want to consider the possible merits of a plastic kit? There are some very,very good plastic kits available, and with the right finishing techniques, they can look very *wood-like*, without the hassle of having to scratchbuild every tiny minute detail! :) You mentioned a *complete* kit...unfortunately, the wooden ship kits I know of are little more than a box of lumber, line, fittings, and plans...you will be doing a LOT of scratchbuilding!
However, if you are determined to get into wood-building right off the bat, I would strongly recommend going after a kit made by Model Shipways. They are known as one of the best domestic kit manufacturers, in terms of parts quality, clear instructions (very important!), and also customer service. go to the website www.modelexpo-online.com
you will find a vast selection of kits for beginners. And pay no mind to their retail prices listed. They ALWAYS have an "offer code" in effect that slashes their prices. Right now the code is SWEET13, but it changes every few weeks. You can find the current code pretty easily (especially if you join their email list!)...
They even have *build for free* kits (I think the Phantom is part of that promotion?)....in which case you buy the kit, build it within 6 months, and send them pictures of your finished effort. They will then credit you for the cost of the kit toward you next purchase! They're really nice people, too...you can call them with questions about builds, free replacement parts, tools, whatever....
Anyway, you can probably find a decent kit for beginners for less than 100 bucks, but you will find that you'll need a handful of tools to get it done properly.
I can think of two pieces of advice right now: Get a couple of books on wooden ship modeling (there are plenty of good ones), and try to avoid the uber-expensive, albeit sweet-looking, kits from the overseas manufacturers...at least until you have gotten a few wooden kits under your belt...I have a Corel Berlin 1;40 wooden ship kit, and the instructions are terribly translated from Italian, to the point where it reads like so much jibberish! On the other hand, I have a Katy of Norfolk from Model Expo, and the plans and 24-page instruction guide are clear and concise!
Also, you probably want to go for a solid hull kit for your first foray....Planking a model for your first time might be a lot to try and conquer....Lots of people start shipmodeling by jumping into a kit that's beyond what they expect it to be, an abandon it after being overwhelmed, or after making a disastrous mistake in the process...When I decided to approach ship modeling, I thought that building with wood was where I wanted to go, but I have found a lot of satisfaction in good quality plastic kits...but there are also tons of crappy plastic kits! Learn a lot before you decide what you want...
Seems like I have a lot of advice for a guy who hasn't even built a wooden kit yet, eh? There's a reason I'm waiting to move on to wood. But believe me, I have several books on the subject, and I am learning a lot all the time....but meanwhile, I also have a decent number of plastic kits that I'm very excited about building in the meantime, so I guess I'm in no real hurry to move on just yet...
Lastly, you'll find a lot of friendly and helpful people on this forum, who are very generous with their knowledge...if not for them, I surely wouldn't have pursued ship modeling this far!
There I go, rambling again! Sorry! And good luck! It's a blast!
Dave