Well. A contractor would have their own subcontractors, and could be easier to hold accountable for any issues.
If it were just one trade, I’d be more likely to try to find just a guy, to do it. The electrical, and plumbing, are what would be the most important/hardest parts. Most run of the mill handyman people could do the rest.
Electric work can be tricky, have specs that would be required, and could be a safety hazard, if not done right.
Plumbing is not necessarily much easier, but wouldn’t be a fire hazard, if botched.
Then their is money. I would be reluctant to give much up front, as such people can just dissappear, and leave you with unfinished work, and money that you’ll never see again.
I suppose I would say, that if you organize it well, and happen to get competent and dependable workers, it might be cheaper.
But you would have a lot of responsibility. Over quality, safety, and payment.
Getting One guy/Co. that could sub out all the work, would be easier, probably have better overall work done too. But might be more expensive .
I’m sure you have some different rules in Fla, than in SC (where I have been a subcontractor..
Good luck. .