jono,
You can find methods that allow home processing to be very easy and without a question, more affordable. However, I send out all my color 4x5", slide or negative. I know a good place that only costs $2 a sheet for E6.
A darkbag, chemicals, and this setup -> (there was a url link here which no longer exists) you'll be good to go at home. And, with a paper developer and photo-paper, you can even do you own contact printing, Edward Weston style with no enlarger. Just a dark-able room.
I think a lot of the older generation have secretly hated the darkroom, and frankly, if that was the only option, I can see how some might become resentful. Thus, digital is a RELEASE from the dark. But to me, and people of the younger generation, we have a choice and the darkroom is far more interesting in my book.
Alternatively, scanning 4x5" is perfectly acceptable and will still give you huge benefits over digital capture.