Loki talks about painting vs playing and what is most important to him. What is it for you? I definitely got into the miniatures hobby wishing I could buy all my stuff painted. However, I've come to enjoy the research and painting part of the hobby. I don't like cleaning, basing and assembling though.
I've looked into having things painted and I really can't afford it right now. But I also wonder if I would be happy with it. I'm sure at some level of quality I would be. It's just fun to see those armies all lined up knowing that I've spent the time to make em look presentable for the table. I like the idea of improving my painting, but really I would rather improve my tables and my ability to get games to the table more quickly.