As io says flying aint cheap, there is a fact, but, cost is relative. At many uk airports the cost of half a dozen approaches adds up whereas in france it adds up to a lot less. Its a straw that brakes the camels back and a reason why private pilots are just that little bit less current.
As to approaches in general my philosphy is that if at are good enough to accomodate you fitting you into the flow is their concern and as good training for them as us. I have yet to have a problem and more often than not suspect they "enjoy" fitting a little ga traffic in with everyone else. Ask many places for a sar and you can almost see the smile over the radio, we enjoy it dont we and so does the controller?
As to mfs its a pretty good tool but after a while it nevers seems quite the same as a real approach in real weather but perhaps thats because i hate real weather, but for some reason it never bothers me on or in a sim.