The Wood Elves and Chaos Space Marines are each 100% painted, the Romans are still bare lead, and the rest are somewhere in between.
Actually, I like making buildings and terrain more then painting.
I do not go the official Warhammer tournies, because I personally think that Games Workshop practices very poor policies. For instance, you pretty much have to use the newest versions of thier mini's in the tournaments. You can't even use most of thier out of production minitures!
Also, thier customer service is very poor, especially in regards to realtiers.
And, they change the rules on you every few years, much more often then any other game company.
All of this ensures that you must pay the most money, the most often on thier product. They seem to want to create some kind of Game Monopaly.
This is why I use substitute minitures from other companies whenever I can. This alone would keep me from attending one of thier Tourneys.
(Both Chaos armies are pure citidel/GW minitures though, because I think that they are cool)