After our problems with our printer and the experience of printing our homemade 8x10 holiday cards we decided it was time to sign up for a photo service.
I compared Sanpfish, Shutterfly, and Ofoto based on prices and offerings. The main thing I was looking for was their pre-made book pricing. Snapfish has a large format book at a about $1.00 a per page (double sided is a dollar per side). This seems like a better deal than the other services. I think these bound books are the way to go. No messing creating albums. I'll find out over the next few months. Snapfish also has the cheapest 4x6 prints. All the services seem to go for the gusto in pricing their 8x10's (over $3.00 versus under $1.00 for a 5x7).
I'll let you know what I learn about using Snapfish versus printing your own stuff on photopaper versus what I remember about getting prints at Costco from that film stuff people used to use.