I quilt all my quilts and seldom do many smaller than a double size. I do FMQ quilting and I love it and the look.
SID does not look good to me if the lines are out of the ditch. If I don't FMQ, I stitch about a 1/4" away from the ditch, I prefer this look.
I would never pay to have quilts quilted, I figure I spend enough money only to give most away.