Here are four ways you can save significant money and still buy a quality commercial product to use at least some of the time:
1) The key when it comes to Utopia Silver's commercial product is catching it on sale, which it usually is a couple of times a month (usually at 25% off) or at least 2) using the CZ discount code when it isn't. Or better still, 3) buying their Silver Bullet generator and getting a lifetime buy-one get-one free offer on their 500 ml bottles. It doesn't take long to "pay" for the cost of the generator (a little over $100 with timer and tester when you use the discount code) with the savings on the commercial product and that is pretty much the best of both worlds I think: having a very good basic generator that turns out a very good inexpensive home product for general use while also being able to have some of the very best commercial product when needed.
If it were me, whether or not I opted for the Silver Bullet or one of the good and popular silver makers favored by many here (such as the Silver Puppy, SilverEdge, SilverGen, Sota, etc.), I would definitely have a home generator on hand and 4) make my own for general use and also keep some of the best stuff (such as Utopia Silver of Mesosilver) around in case a really tough bug or condition came around, which should cut back on the use and costs of using a commercial product extensively.
On the other hand, I would not buy a commercial product simply because it has a good sales pitch and website hype. Many of those don't have much more than marketing going for them and in many instances are little better than what you can make at home with a quality generator.