You suggested kit ones; I own the first of these two, and it's lasted me a number of years. The second also looks promising.
http://www.elexp.com/ProductDetails.aspx?item_no=01PS3040K&CatId=2d6558c8-938e-4373-927d-951d70d0a048
http://www.amazon.com/Elenco-Triple-Output-Power-Supply/dp/B0002DT0GU
I own the second one of those, the Elenco XP720. It is a reasonable value, does what it claims, with a solid, well constructed enclosure and heat sink, and an excellent instruction manual that's downloadable on the web. But it lacks a few features that are really useful in a bench power supply. It has no adjustable current limit or constant current mode. Its adjustable voltage rails won't go below 1.25V (it's a LM317/LM337 based standard design almost straight off the data sheet). It has no metering, neither voltage nor current.
I bought mine as a cheap second supply, for when I want a couple more rails. The pos/neg rails are especially nice for op-amp prototyping. I upgraded mine by replacing the stock pots with 10-turn ones. It's fine for what it is, and the price is attractive, but I'm glad I have a different supply on my bench with adjustable current limiting and constant current mode.
I'd recommend it only to those who understand and accept its limitations. It does what it says it'll do, but it doesn't do everything a good general purpose bench supply ought to do, IMO.
What are the advantages of programmable vs the K3005D ?
I don't own either Korad model, so I hope someone else chimes in on this point. But my understanding is that the programmable model can be controlled by a computer, while the non-programmable model requires you to push buttons and twirl knobs on the front panel to control it. The programmability might be useful for certain types of automated testing, or maybe for automated timed battery charging. If the computer you use to control the supply also has some sort of sensors, you could write code to adjust output voltage or current based on what your sensors are telling you, with all sorts of possibilities. Some will find that very useful, others not so much.