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At some point during the hobby game, you decide to either go with only independents (hopefully you review them beforehand) or go with agencies. At the end of the day, you are essentially getting the same service. However, there are some fundamental differences between the two. By knowing which avenue is best for you, can really save your wallet and your health! The best way I look at it is this way:
If you are lazy, and just want 'what you want', go with an agency. If you love the thrill of the hunt (looking at pics, reading about them, seeing their reviews), you'll want to go the indy route.
They both can get addictive as they have their plusses & minuses. You will always pay more with the agencies, but makes life a little easier once you use them time & again.
Don't think that agency girls are more expensive, as that is not always the case. There are some independents that are incredibly expensive. It all comes down to how proactive you want to be in the hunt.