I think costs depends on where the photographer is based and what the package includes. (hours of coverage, TTD, CDs, actual prints, albums, online gallery, copyrights to the images etc) Packages for NYC based photographers start around 5k so can you imagine flying them down and covering their travel costs on top of that??? Photography is the most important aspect for me so I'm definitely willing to splurge. I would like to support local businesses but from the brief research I've done on some island photographers, the styles don't quite match the look I want. I hate the fact some resorts charge a fee for bringing in an outside vendor ... do they charge you even if they are staying as a guest of the resort?