The basic issue with self designing isn't getting the feature you want, or the appropriate aestedics you desire, but to know how to develop structures stiff and strong enough to tolerate what you intend to do, given a worst case scenario.
Even the most rank novice has seen enough boats to get the basic shapes sort of close. It might not balance well on the water, it might steer like crap, but for all essential purposes it will likely float, right side up and do pretty much most things within some level of normal attributes.
What usually happens is the boat is way too much heavier than they anticipated, because they didn't perform a center of masses calculation or trim calculations, so the boat float bow low or stern down. Also what typically happens is the boat doesn't meat most reasonable expectations and if you get an honest answer from the novice designer, they'll admit they should have done more of this or that during the design and construction phases of the project.
It's not an insult, though it is a lot more difficult then might first appear. Getting the hull shapes to reach speed and performance targets, designing a structure that will get the job done, without drowning anyone, etc. are things that do require some education and experence, not to mention meet local, regional and federal regulations (where applicable), requires considerable understanding of the appropriate hoops to jump through.
I'd agree in that you can and should self design something, but run it past an NA or designer with some experence, so they can point out anything that is glaring or simply overlooked. Hell, it's easy to miss something - I wish I had a skilled "proof reader" to check my stuff, as everyone makes mistakes. Not all NA's will be very accommodating, simply because they see lots of boat designs on the back of a restaurant napkin, that they just can't take very seriously. So, make to approuch to the NA or designer with well drawn and calculated 3D views, including the appropriate hydrodynamics. Typically within a few minutes they'll see you're serious or have some many basic issues, it would be best to start over.