You could do both, you could buy an account from a trusted member here on an approved thread to get you started while learning how to create your own stealth accounts along the way. Members here can assist you in many ways myself included, any questions just ask and I will do my best to explain.
I am currrently running multiple UK ebay/paypal stealth accounts. My first 2 accounts I bought and the rest I created myself, its a wonderful feeling when you get back on ebay and realise they can never keep you off again, if I lost 20 accounts today I would have 20 more up and running in a week it is simple once you know how.
The accounts I use are not big money accounts all personal accounts starting at 10 items/£650 up to 100 items/£10k, the reason I run so many is to spread out my inventory and cut down on risk and I would suggest you do the same, if you have just one account and it gets banned you are back to square one. Good luck in your ventures!