Given today's bent towards surface mount, which comes with a whole new garage full of expensive equipment to really do the right way, it is just better to send your boards out to a third party to be etched, drilled, stuffed and soldered.
We've been doing some prototyping in my lab. I've been trained on old-school point-to-point prototypes. They work very well, are usually pretty good models for actual performance, and when its all said and done, take just about as much time as anything else.
My employee, a younger fellow, built a prototype with a breadboard. Egad, I remember those from undergraduate years, and how much I hated them. I spent more time debugging that mess of wires than it would have taken to build it point-to-point from the start.
Except that now everything is surface mount. We were getting ready to buy a rework station. And build one of those hotplate / toaster oven processing things. Then, I found a couple of videos showing people soldering SMT devices with a hand-held iron just fine thankyouverymuch. And, you know, it works great. The key is a steady hand (which I have, even though my assistant does not) and -- critically -- a stereo microscope. Assembling boards can be done pretty fast. In ways, it's faster than through-hole, and heaps less frustrating 'cause you don't need to keep flipping the board back and forth all the time.
The best part is that it's become ridiculously inexpensive to get PCBs made of medium size, with free (as in beer), or nearly free, tools that are really pretty good (and I've used the $25K/seat stuff, too). I've got three full-custom PCBs in front of me that, other than the ECOs from being prototypes, are professional grade. While they weren't free, they were affordable, and much more so than, say, 10 years ago.
So who needs one of these print-you-own circuits? Not me. Or a setup to etch boards myself? No thank you, I'll stay clear of those chemicals. I'm much happier spending a little more to have my boards come back perfect, with real vias, and even four layers if I want! But a garage full of specialized equipment? Nope. Just the old bench, iron, solder, wick, flux, with the addition of a microscope.