Thank you SO MUCH Lindsay! You just narrowed it down perfectly for me. I've been reading everyone’s comments/suggestions on here and I started feeling a little overwhelmed.
As for the photographer, I'm in the same boat as you. It's not cheap and who knows how good they'll come out. BUT the one thing I've always wanted was good wedding pics, I could care less about ribbons, flowers, place cards, etc... So I might splurge on the photographer.
What are you going to have your guests do while you get pics taken? Bar? Thats what I'm thinking.