[tempestn]

Ha, I totally hear you on the second one. There are a number of situations where I've chosen to do something in-house rather than using one of these vendors, partially because I prefer to spend time managing the technical solution over (admittedly much less time :) ) handling the paperwork of one more vendor.

Of course, it's also just my natural inclination. My common response to problems is more along the lines of, "I can write a script to do this," than, "I bet there's a SaaS for this." That may well be inefficient, but it's how I roll.