I haven't dropped money on a printer yet either, but have used a few of the online agencies.
Combined with some of the free or very cheap 3D CAD around these days (Onshape and Fusion360 etc) should be hugely more accessible than in the past.
Metal printers (laser or electron beam sintering) are prohibitively expensive, needing v high temperatures and inert gas chambers. Think £2500+VAT for a 20cm cube of printed Ti parts.
There are decently priced carbon printers, (MarkForged) but filament alignment is only horizontal/parallel, so physical properties are around the same as extruded aluminium.
The thermoplastic printers (hot from a spool) can produce good results, but they do have a definite grain. Good for checking fit and design before actually producing a product using a more conventional method.
It'll need to get a whole lot faster and cheaper to threaten traditional am 'subtractive manufacturing' or casting and injection moulding.
All the best,