Have to concur: Out of all your expenses, developer is the least. The most is your time and effort, and it makes sense to maximise the yield on that.
When it comes to TMax Dev, I have mixed 1 liter stock at a time, and the unused concentrate lasts for ages in the bottle. One can IIRC develop 12 rolls per liter of stock at 1:4, i.e. 200 ml of concentrate, or put differently: 17 ml of concentrate per film. You have to adapt your capacity according to the quantity of concentrate. I have also used it as single shot, but don't any longer. Not that it is too expensive per se, but because the developer is so valuable to me and so difficult to get hold of, I'd rather not waste it that way. For normal development it is just another developer, nothing special. But where it really shines is for fast films, especially when pushed. It gets more shadow detail out than other developers, but the grain and contrast are not necessarily as elegant as what more general purpose developers would give. It is a compromise aimed at fast films. Haven't used the RS version, so won't comment on that.