Here are some examples for what its worth. No they were not done in laboritory conditions.
Iford 400, HQ Scan (6305 x 4181) 100% crop:
Ilford 400, LQ Scan (3088 x 2048) 100% crop
K10D ISO 400 B/W conversion 100% crop
At 400 ISO, the K10D kicks butt on the film. At the low quality scan, the film grain, and the digital resolution are very close. The high quality scan, the film grain is far greater then the digital resolution.
I get my scans done at the same place that develops my film. I am not yet developing and scanning my own, but it is in the plans to do so. The big problem I have with the guys that do the scanning is dust. Some scans have ALLOT of specks.