Just a thought, but have you checked craigslist, etc? I found a guy nott too far from me who works in his own shop and works for half or less what the others want. He's very happy to get my work because it is in pieces so he can do it as he has time, which keeps him working and saves me money.
I know a Maaco here that does great work and is very reasonable. They are spraying alot, so the guy gets great practice and does nice work. I was thinking of going that route myself.
Look around ask around and see what you come up with. Hopefully you can find someone you like at a better price.
As to the assembeld/parts discussion, by all means do it seperate. Like was noted, you get coverage on all parts of the panel that way.
Good Luck, and if you are any where near 35/80, wave to us as we drive through for Christmas!