In answer to your question, I pay to have a professional quilt my quilts because after I have invested $200-$300 in fabric I want to have it quilted correctly. I only make Full to King size quilts using quality fabric. I figure if I am going to put that much time into a quilt then I want the best fabric and if I am using the best fabric why not use a professional to complete my creation. I could NEVER do the special quilting on my quilts. I have been VERY happy with the work and the prices charged and I know that my quilts will be around for at least a few generations because I have taken care in the purchase of fabric, thread, batting and quilting. It is just what is a matter of preference for each of us.
I would maybe have one of your quilts quilted and see what you think. I do not send out my quilts, I find a local quilter (there are plenty around if you ask) make sure you get references. Good Luck in your decision!