Sure, the idea is to automate as much as possible.
It depends on the numbers...
I've got a design here, one 44 pin TQFP, two SOIC's, a few SOT23 and about 20 0603 passives. And two connector blocks.
For a single prototype, the cheapest option is to let me build it manually. Costs $200 in hours, done. An far-east supplier might solder it for less, but the hassle to give them instructions, parts, wait for it, etc cost me more time than to build it myself. But no automation at all.
For a small (10 pieces) test run, there are a few european assembly houses that can do it for $50-$100 per board. Not cheap, but better than doing it myself. Some small automation, they'll probably place the SMD automatically, reflow, and solder the TH connectors manually.
For larger runs, the numbers change again. Then the connectors will be wave soldered. Too hard to setup for a small run.
Automation is nice, but only works in volumes.
For testing, the same principle applies.