This one is really easy.
The Dura Ace C24s every single time. Assuming they are clinchers. Not that the carbon ones wouldn’t be sublime and even better, but they will by default be tubulars and that’s not really where you should be going unless you really know what is involved in running tubs.
Just because you’re not using them for racing doesn’t mean that changing the wheels won’t have the biggest impact on your ride quality, feel and enjoyment short of changing the frame. And in some instances, where carbon frames these days are so alike, it can have a more dramtic effect.
The C24s are bombproof, incredibly light, far lighter than you’ll even remotely get with a set of handbuilts (C24 a pair are 1395g, a handbuilt even with CX Ray spokes, which cost £2.50 a spoke, will weigh north of 1750g) and sublime to ride. They are brilliant brilliant wheels and if you had an option on a set that were in good condition and south of say £280, then you shouldn’t even be debating it.
Handbuilts are fine; they are reliable, easy to fix and, most importantly, cheap. But they don’t come close to the performance you can get from a factory set of wheels. It’s just factory wheels tend to be a lot more expensive. New, the C24s can now be had for around £650, so even that is less of an issue these days.