News flash, the entire wedding industry is a scam. We did the City Hall thing because I was getting mad at all the gouging and the oppressive religion in just the ceremony. No engagement ring, that money went on the mortgage, titanium bands and that was it.
Then we decided to do a reception at our house with around 80 people. Say the W word and for the same services the fee goes up 5 to 10 times, everything gets jacked up. A photographer at your party for three hours, that is $200, say three hours at a wedding, it is now $2K. You want a catering for a party at your house, $20 a head, say wedding and it is $100--same food. Bartender, tent, whatever....so on and so on... total efing scam. We booked everything as a "house party", saved a bundle.
Nothing like gouging to put people in massive debt right when they are starting out. For us, kids were born, house was bought, then we considered wedding. Absolute right way to do it.