with modern Chinese manufacturing, you get 2-layer PCB with via and soldermask gorgeously made for $4 in 24 hours (actually samples can even be free in China). why bother make PCB at home with all the nasty chemicals or CNC ?
2. In most of US/EU you get them for $5 in up to _two weeks_, or in two days for $5+$2X or more which adds up quicklyand can be more than the rest of the project. Even next day shipping loses out badly to making it yourself in ~30 minutes, turns into two days delay unless you're lucky to have an idea in the morning and time to work on it in the next afternoon, a lot of the time i see people bodging things i'd make another board for because it's just easier.