Home made quads are on the rise, there are a multitude of ways to build a frame.
I would say that over the long haul, the quad will be DRAMATICALLY cheaper.
One little dink will take the Heli out of service, where the quad would shrug it off.
That, combined with the inherent dangers of a spinning rotor helicopter (VERY DANGEROUS) would make it a no brainer for me.
If I was going to fly it inside, around others, and compete with tasks, I'd not want to add to the stress of worrying about cutting someone's knee off.