There can be lots of reasons for choosing one path over the other, the reasons can be personal, and you have written nothing about your intentions.
If you are stuck on an important project, need direct and reliable results then just go buy a probe and get on with your project.
If you're curious about electronics, have fun building projects, are on a tight budget or have more time then money, then those can all be good reasons to DIY a differential probe.
And it also depends on what you want to do with it. You write your input voltages are below 100V. That is low enough to probe with normal 1:10 probes, and subtracting two channels on your scope may be good enough. (Especially handy to have a 4 channel scope). The commercial differential probes are also mostly geared to wards very high input voltages. They use a high ratio to divide the signal, and then need to amplify it again, and this is of course bad for signal to noise ratio. If your needs are for only lower voltages, then building a simpler circuit may be good enough for you. You can use a smaller dividing ratio on the input section to get a better signal to noise ratio. Just building some generic instrumentation amplifier circuit from an application note may be good enough for you.
And if you want to build a high voltage differential probe, then watch the parts used very carefully. I just looked at a Yageo datasheet and their 0805 resistors have a rating of just 150V and a 300V as "Max overload voltage" (whatever that means). Ceramic capacitors are often rated for much lower voltages.
It's also not sure if DIY would be much cheaper. LTC6269 is an EUR15 opamp and one of the designs uses two of them, (and a LTC6268 which is another EUR11)