You definitely can do your own HB solution. You have to worry about thermistor, firmware upgrade (that I can help you with easily), wiring, possible relay, power supply...
The UM upgrade however gives you a much better steel bed. My old wooden bed had to be releveled every day - it kept slumping due to my heavy heated bed (home built). But the upgraded steel bed held it's position for a month. No leveling needed for a month!
The original buildplate is acrylic, wich is not very heat tolerant, so do not try to mount it to that one.
There are cheap third-party heated beds that fit the Ultimaker Original more or less without any modifications except a larger power supply if you want to do it on the cheap.
The Official HBK is a very nice upgrade tough, a much nicer construction, new Z motor with integrated leadscrew, included power supply etc. Premium quality for a premium price :-)
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