going to get harder and harder to work with the 'neat' stuff limiting yourself strictly to through hole ... TH is dead for just about everything except mechanicals.
I'm not sure on the costs, but a lot of fab houses also offer board stuffing services ... perhaps your boards can ship with tiny smd parts pre-soldered and leave the rest of the through-hole assembly to the builder?
what irks me is even smt is changing, more and more new parts are coming out in leadless packages or bga type packages, almost impossible to solder at home without a solder mask and an air setup.