I've done DIY in order to get exactly what I want. If I can buy something off of the shelf that fits my needs I compare the price of materials to the finished product from the manufacturer, before I decide to DIY or not. My work is seasonal and money is tighter in the winter, but I have plenty of time then, so that also factors into whether I DIY or not. Usually, for me, DIYing is little or no cost savings.
"In your face space coyote"-HJS