Find yourself an online PCB prototype manufacturer and invest the time you would need to get the process fine tuned into your electronics knowledge and design. I have been there and for the money you spend on descent equipment and consumables you can easily get 5 different PCB's professionally manufactured for you.
I've had many boards made by overseas manufacturers. Thousands of dollars. This is obviously the way to go for any kind of volume order or even for one-off of a finished product of any complexity.
The reason I do toner transfer is because for every one of those boards, I have several times as many one-off simple boards for prototyping or whatnot. Oftentimes the board may be just a part of the whole circuit which I am working on and perhaps for testing of an IC, some components, and/or a microcontroller I am not familiar with. It is often helpful for me to do actual testing with the device before I am ready to commit to a complete schematic/pcb/firmware, only to find out I made false assumptions or other stupid mistake when reading the datasheet, or that the theory was easier than the practice. And it's not the cost of the PCB I care about, it's all the time and effort I spent potentially going in a bad direction. All those traces I will be ripping up and rerouting. All the code I will be deleting.
Specially designed Press&Peel paper for toner transfer is extremely expensive.
This is the part I don't get. Why anyone care about the cost of the paper? I use Pulsar, and it costs about $12.00 per 10x A4 sheets. That is 1.20 per sheet, and you can get 6x 4"x3" boards from a single sheet. That is 20 cents per 4"x3" board. I don't care if magazine paper or even photoresist is FREE. If I'm doing a large number of a board, I will be submitting my Gerber to a manufacturer, which costs even MORE.
It's crazy adding up pennies for process which takes perhaps 30min to several hours to design the schematic/gerber/firmware, and another 30 minutes to make the PCB, and another 30 min to populate it. And after all that, it might just go in the garbage can when you find out how bad you messed it all up.
And you're talking about saving 20 cents. I spent $30.00 just in shipping charges from Mouser on my most recent project. Think of it that way; if you make 30 of your toner transfer boards with free paper, and you can save ONE 7.50 shipping charge from Mouser, lol. Step aside China. Americans are ready to work for 1/3 of your minimum wage.
If you want to "save" anything significant, you have to be making a lot of boards. You might think, hey, one day I might need to make a lot of boards. And if it takes me 45 minutes to make 1 board, I can make 100 of them in 46 minutes. You will find out why the Chinese manufacturers charge you more than 20 cent a board, very quickly.
10 minutes for peeling off the paper and 10 minutes for inspection. This doesn't include the extra time for when your inspection reveals something wrong, lol. Then hello, you get to start all over. Pay 20 cents and you can eliminate this 20 minutes AND all the time for errors, because you can actually do toner transfer without any errors. And the soak/peel takes 5 seconds.