In-character, fee-crafting is a really good deal. Out-of-character, Free-crafting makes sense because you assume the crafter can't refuse your demands and sell the item for more.
Yes, AD, I stand by my statement. You are using the meta-game to justify the best price for your character. In doing so, you're devaluing the in-game time of the crafter PC.
Combat healing is not the same as combat crafting. In fact, there is no such thing as combat crafting.
See the difference now?
Rogue sneaks for free and he's going to do it anyway.
Are you seeing the trend yet?
So if there's no RAW, well then it must be bad-wrong for the crafter to value his time and charge for it?
The bottom line is, again AD, that you just don't want to pay the crafter more than 50%. 'Cause you're cheap and you don't recognize a good deal when you see one. :P
okay... bunch of stuff here.
assuming again that the crafter isn't grateful enough for his friends disarming/setting off traps that could have seriously ruined his day to give them things he can make at cost, or that he's just ran into a whole new group of adventurers where they really haven't been in that much danger yet together.
In-character - Fee crafting is still a good deal as you point out. but it also brings up as to how much profit one should be making on things you do to help out the other people. if the crafter says he needs a profit, why not the other guy who's researching enemies or trying to get contacts so they can sneak into the nearby castle to grab the macguffin? In character and out of character fee crafting brings up a group dynamic that can be toxic if you're not prepared to deal with it. If your group doesn't care or likes it? GOOD! have fun :)
Out of character there are rules that say you are the only one who can benefit from your craft feat in regards to wealth (this is a paraphrasing, please don't say that they meant for you to charge because you gain a wealth benefit). crafted items count as creation cost for WBL calculations, while non crafted items count as full market cost. Mistwalker has pointed out that this is RAW, and while i don't like it, it is the rules and we have to argue (again as mistwalker has pointed out) from RAW or RAI instead of from how we houserule our own games.
To complete the Above metagame-balance thought - charging allows your character to accrue wealth above the others and suppress theirs. again, if your group doesn't care, great. I always want there to be a level playing field between the characters because no one can feel cheated.
healing is more crucial when you need it than crafting, so it is more easily able to extort money. if you're down to 1hp or 1wisdom or 1str, it is pretty easy to get a high price from some of those healing spells especially if there's still combat yet to come.
the rogue can take some treasure without letting the others know and thus gain 'compensation' for his/her services. the tank/direct damage monkey gets the most screwed because their roles are straight forward. the only way they're going to get paid for their services is if they let the monsters kill their friends and loot the bodies after cleaning up. it has been made abundantly clear that no one is willing to pay for charging up into the face of death to keep it's attentions from squishies or cutting it into ribbons, so the only recourse is to strike at the moment needed, or find someone else who appreciates the labor.
this turned into a longer post than i intended....