I've got some C-41 B&W languishing in the fridge too. To me, developing my own is one of the big advantages of B&W, not an inconvenience.
My choices for C-41 are either a (shrinking) variety of mini-labs/drugstores (all of whom apparently have toilets that flush directly into their final wash water), mail order, or a good but distant lab that'll cost me $10 in gas before I'm done. It's far, far simpler to do final wash in distilled water and use a filtered Senrac drier than it is to spend eons Photoshopping out someone else's processor crud.
Plus, 400 speed doesn't appeal to me much. Either I'm trying to get the absolute sharpest, smoothest image I can on a tripod with Tech Pan (or maybe Acros if I don't have 30 minutes per shot, or don't want to waste my precious stash), or I'm pushing Delta 3200 to 12,000 handholding somewhere really dark.