If you're serious about saving money, then develop the film yourself. With black and white, the initial investment would only be $40-50, provided you find everything (dev tank, dark bag, thermometer, etc) second hand. Buy D76 powder and some fixer, and you're set. You'll make up that money within 10 rolls or so, if you factor in shipping price to Dwayne's.
The Dwayne's scans aren't adequate for 8x10 prints. If I remember correctly, they were something like 2500px on a side JPEGs. Again, if you really want to save money in the long run, you should buy a scanner. A used V500 will get you higher resolution scans than Dwayne's. You can buy one used for $100, which you can make up after 30 rolls (I believe dwayne's charged $3/roll for scanning).
Regarding the printer, depends on the model, but a lot of printers won't let you print anything unless you have some color in the color cartridges. AND I believe they will use the color ink even if you're printing B&W, so you will have to replace them every once in a while.
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