Yeah, I'm with you. It's not something you have to do that frequently, so the cost difference over time works out to be peanuts. OTOH, getting stuck with a bad haircut sucks. If someone really messes up your hair, it's going to take weeks to grow out enough to recut, and you'll look like a schmuck until it does. This happened to me once, and I swore never to cheap out on haircuts ever again.*
And no, your $10 scissor monkey really isn't just as good. People with skill don't work at the Supercuts, because they don't have to. They work at a real salon, where they can charge a reasonable fee for their time. You are as likely to find a talented stylist at the discount hair place as you are to find a talented chef at Burger King.
(*If you buzz your hair with clippers, then sure, in that case you don't need a good stylist. The "find a good stylist" advice is for people who actually get their hair cut.)