I've just had my first layouts printed 12 by 12 by sbtoshare.com and the quality is really super. They packaged them up nice for shipping too. I ordered one of each style so I could compare. The print quality on all was very nice and the same across the board. The 1.50 one feel like a thicker page from a magizine and the card stock feels like card stock. The ones printed without the boarder fit just about perfectly into my Creative Memories album with very minor trimming (very minor) and the ones with the boarder, obviously, were a true 12 by 12 and so would need trimming for the CM album but I guess would go into another album just right. My only complaint is that I don't totally care for the boarder and would like a true 12 by 12 edge to edge, but that's not something they had as a choice. I have no idea why.
As far as money on digi scapping. There's tons of freebies out there and you can use the things over and over again, which is very nice. I think there are pros and cons for both paper and digi and I like both. What puts me over the edge on digi is my dining room doesn't get messed up with my things (especially during the holidays when I have time to scrap but don't want to mess up the house) I don't wind up with cat prints on my things with digi scrapping. How the cats always know when I'm not looking is one of the mysteries of the ages I'll tell ya. On the other hand, I find paper scrapping soothing in some strange way that I don't with the computer. I work all day on the computer and sometimes I just can't face another one when I get home. And I STILL cannnot get my pictures to resize right. (how I keep making something so simple so hard I'll never know.)
So for me I'll continue to do both I think. But I find the idea of those brag books very interesting and am waiting for a sample!