From my perspective, getting it right in camera saves me time later. It's not just about the cost of film. Indeed, it haven't even thought about centre filters in terms of cost per sheet of film over time.
On centre filter price... A Rodenstock E82/112 in excellent condition was sold on this forum recently. I was considering it and discussed it with the vendor. He wanted US$290 for it. Note that a lot of the offers for large format gear on North American and European eBay are from vendors in Japan that sell camera gear as a business. Their prices are notably higher than prices for the same items from people selling personal gear.
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