Another vote for DIY. I spent so much money sending film out it was crazy. Turns out 120 film is easier to load onto a reel than 35mm, and by doing it myself I learned how much difference your choice of developer makes. A lot!
The initial cost of chemicals, a thermometer and developing tank was minimal, and the work involved was even less. Especially if you use the bathroom like I do to load the reels instead of a change bag. For $100, you can buy a nice developing tank, chemicals and lots of film.
I use this cheapo Wolverine F2D 20 Super film scanner below for proof scans, it's really fast and really cheap. If you shoot color, then I'd send it out. I've been developing my own B&W film for a couple of decades, color requires more exacting temps and stuff.
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