I make my own PCBs. It's expensive to get them done outside (I don't make tiny 1" x 2" boards; my standard panel size is 4" x 6"). Also, I think that etching your own board is part of the DIY process. I suppose you could argue that you should laminate your own Cu to the FR-4, but I stop at etching...
I object to sending (more of) my salary to China, so I won't get the best prices if I insist on spending my money in my country's economy. Spending money in China may result in immediate savings, but it may cost you more over the long run, unless you are in China.
My boards are usually single-sided, sometimes double-sided. I do toner transfer using regular paper, then I re-color all the traces with a Sharpie, followed by an etch in FeCl3. Then, drilling on a drill press, followed by cleanup of the toner/ink. Then, I dip the board in Liquid Tin so it looks cool, or I do a cheap home version of HASL, which consists of applying flux to the board, then dragging used desoldering braid (with solder in it) with a hot soldering iron. The last step is a wash with isopropyl alcohol.
I use approx. 40 mil trace width / 40 mil clearance rules to be compliant with my process capability. Sometimes I will use SMD, but only for larger parts. My designs are dominated by thru-hole parts.