Etching at this point but I imagine drilling would be the next logical step. I toyed with a few methods with some being too pricey in the long run and a few others not working out. I found a really cheap Epson printer at a swap meet so I figure I'll hack that apart and give it a shot since I happen to have the appropriate inks and accessories from my other Epson.
I'm still trying to work out the drilling portion. I (my wife) has a Dremel drill press but it's not the most SOLID if you catch my drift and my own Dremel is really old (around twenty years) so it's not directly compatible and the bearings probably need a little work. My wife's is a more modern (specifically a slightly different "grip" and a shorter shaft than my own) but it has seen way more abuse getting applied to everything you can imagine including wifey's experiments with glass, clay, plastics, wood, ceramics, rare metals, etc. Mine has seen more use around plastics and common metals but, as I mentioned, it is far older than hers. I honestly can't figure if I should gamble and try for a Harbor Freight Crapper, patch up my Dremel and hobble together a drill press, or look around on eBay for the more "refined" drill presses.
I have some of the supplies already from repairing other PCB's. A kind of hodgepodge of SMT and TH parts. So I figure I can just keep going with what I have. It's just that I found there are times when the TH part is quite a bit cheaper and/or easier to obtain than the SMT equivalent.
I took a good long hard look at having someone etch and print my boards for me. I guess part of the problem is I
always used pre-existing designs but never my own and it's hard to fathom spending money for a board of my own design that may... or may not work. But then, as you said, I'm spending money for my own fabrication. Can't win either way I guess.

. Most of the PCB places I looked at also have a minimum of some kind. Either a board size, monetary or both. There are a few things I'd like to build as experiments, such as using an SMT part as a "drop in" replacement for a TH part where a proto-board just isn't going to work. For that, I honestly can't see ordering twelve tiny boards when I only need one.