I find I design within the constraints of the printer which is not ideal when the final component production method might be an injection moulding.
But having a 3d printer on the desk next to you _is_ invaluable and can help solve issues in a matter of hours rather than days or weeks.
So, that's interesting that you found otherwise! Please definitely write more about that.
Our cases are relatively small so they can be printed in a couple hours. And during the development phase, we are going through hundreds of prototypes. (The fit has to be just right, so if a part is 5% off, we scrap it and reprint.)
Also, I love that you mention the fiddling as an annoyance. My co-founder loves fiddling w/ 3D printers so outsourcing all of our printing would take away that hobby :).
One problem with using printing companies is that they charge by volume, whereas most makers are concerned with the amount of filament they use up. This is cool if you can pack your volume with lots of designs, but it means that even a slight height increment on a big model adds a lot of the price. Then you have order minimums: 3DPrintUK, for instance, has a starting order of £40 which adds up fast.
Time isn't immediately obvious. We can rush an order online to around 3-4 days regardless of size. For small parts it's a no-brainer doing it in the lab, but for big prints there are print reliability issues, it still takes ages at high resolution and requires a ton of cleanup. And yes, fiddling is a pain, I don't mind doing it, but it can take hours to get repeatable prints.
And when I'm done with the iteration I'm likely to machine it.
We found that buying a 3D printer was essential. They only cost a few hundred dollars and instead of getting a piece for $50 in a couple days, we can print something for a couple dollars in a few hours.
For testing the final design, we still use 3D print services to get really nice prints. But for the initial iteration it's nice to do it as quickly and as cheaply as possible.
Sidenote: We also rigged up a system so that we can run the 3D printer over night and print multiple parts. We will probably write a post on that.