I have been hesitating to post, and please ignore it is unhelpful, but to me their are usual more choices than two, and I do know of a third possibility in this case, depending on some logistics.
A couple years ago I talked to a local maker about learning set-up, and he basically said he would sell me a violin in-the-white, and teach me through the steps for so much an hour, essentially ending with the cost of the violin if he had done it himself. So, would have cost me like $2500 (US). I have a demanding job and lot of other responsibilities, but he was going to do it off hours, like on Sundays. I actually had thoughts of continuing to learn, and perhaps getting to at least do set-ups on the shop's lease fleet.
In the end, I decided against it for various reasons, but if you have a good shop within reasonable driving distance, you might be able to come to some arrangement like this. Just a though.