I say money you ask an outsource to do all the ugly labor and then you have more time that you can spend in a much more productive way playing those free web flash games and stuff
I have gone both routes in the past. I will say that using more money speeds along the process to faster sales. Which is the more successful route in the end? Only you can answer that for yourself.
Put more time then money into it and take longer to finish, to be sure that it will be success in future..
I will try to do most of the work myself. Even if I don't know, I will get it clarified from my friends and continue the work