My answer is that there isn't one simple answer, it depends on who you are and what you want to use your knives for.
Me, I'm a slightly disorganized amateur. I use my knives, on average 15 minutes every day, the day before Christmas perhaps 2 hours and on some days only five minutes. For that reason I don't spend a fortune on knives, instead, I buy middle of the range stuff, based on how they feel in my hand, the stiffness of the blade, etc.
Since I'm slightly disorganized, sharpening of my knives happens on a whim - no, this is too dull, I have to do something NOW - for that reason I sharpen my knives at home, sending out takes way more planning than I'm capable of.
Since I haven't spent a fortune on my knives, I don't mind using one of those mini grinders on my knives, they are fast, efficient and gets the job done.
The steel I use for everyday use is my only regret. I should have gone for something longer/bigger. A good quality 12 or 14-inch steel is definitely on my wish list.