The home depot cuts.... The blade IME is usually so dull the chipout is terrible, accuracy is usually pretty good. I only (rarely) use the service to break something down to get it in the car, I have them cut it oversized then I final trim with a sharp blade at home.
Another thing to consider is weight and potability. The only place I have to store my tablesaw is in the basement. So that means up and down the stairs to get it outside. Mine is OK but I think newer models with bigger wheels would be easier. If you have room in the garage this may be less of a consideration if at all.
It does go back to the idea of a tracksaw instead of a table saw. Not really a money saver (good ones are not cheap) but much lighter and they still can do a decent job. Way easier breaking down 4X8 sheets. Mine gets used a lot more than the table saw these days, but that is also due to where my tablesaw is stored.