But, I mean, you could get by with just a $10 soldering iron from RadioShack. It’s just harder to get into and tinker with is my point - which I think you just supported?
I do surface mount with a $20 hotplate from Target. A lot of parts you can even do with a soldering iron. I know it looks scary but once you give it a try you'll find it's not really any harder than through-hole and doesn't require any special equipment.