[MY OPINION]
Well now, each format has it's place, at least fullframe DSLRs have a similar if not slightly better (in some the newest cameras) dynamic range compared to negative film. (slide/positive has a narrower dynamic range of course)
Digital has ISO capabilities that film can't even dream of even in cropped sensor camera nowadays.
Convenience and a faster workflow are also usually an advantage of digital cameras.
Honestly film today is more for the look and the romantic aspect than performance, unless you go to large format for huge prints to have the most resolution possible but even then I'm not sure how they will compare to an high end digital MF camera.
It's like a car, an old classic car is beautiful, sounds nice and makes you smile while driving it, a modern car can do the same while being more refined, practical and safe.
Sure most newer cars are boring compared to older cars but you can still find some that are exciting.
My point is let's not generalize, film or digital are neither the end all be all, it's just a preference.
[/MY OPINION]
Doesn't matter if you are shooting B&W, C41 or E6, unless you want to print at home (which will require an enlarger) developing 135 and MF at home is not very expensive at all, actually if you shoot regularly it will probably cost you less than having a lab do it for you.
you forgot about medium format, that gets better-than-full-frame performance at a tiny fraction of the cost.
also B&W is easy at home, but C41 / E6 is quite difficult and also rather dangerous, I wouldn't recommend someone to try those unless they have a real reason to.