Heck, BPS has a jointed hard-body swimbait that sells for $50. I'd be scared to use that in most of the areas I fish; to many snags.

I also assemble some in-line spinners. Mepps has a BIG one in their catalog that sells for over $35. I've been working on something similar that I could do, probably going to cost me about $15 in parts. Still not sure if I want to risk loosing that.