Bob I have a HP coloured lazer printer that takes 4 tray cartridges, at a cool cost of £50-60 each and its still not worth my while when I think about the time it would take me to do it(trimming folding etc) and the printers will be able to get it done very quickly for you as well, so your nights are not wasted cutting flyers.
Also a wee note, you will save a bit of money if you do your design as well, and they have to charge you more I think VAT if you put a form on it. On one I did a while back I put a form for the customers details on the back, and it cost me a bit more, then on the next couple I just left the back blank, but didn't get as good a take up with them. But I think it was more to do with the back just being blank.