The bottom line seems to be if you want a lower for the lowest cost to machine yourself, go with the $25 20% lower.
If you are chasing styling points, and want a wild and wooly skull lower, bar stock.
Personally, rather than some wild and crazy machined lower, I would opt for some artistic laser engraving on the blank slate that is both sides of the mag well. If you want to get fancy, have the engraver set the laser to cut the design .005 into the metal rather than just turn the anodizing clear, and then color fill it as desired.
Yup, that about sums it up. The absolute cheapest "roll your own" in the current market is to start with a casting or forging. Now, you have to do some of the really hard machining (like broaching the magazine well) yourself using a 20% lower, but it is do-able. That's the lowest cost of raw material, but with a lot of labor you have to do yourself and some special tooling.
That's just the way the market has gone. The absolute lowest cost for a completed AR lower is going to be a commercially made one.... right off the shelf from an FFL. All the work is done, no tooling required, but you have to do the permission slip from the gubberment.
80% castings or forgings split the difference. More expensive than a 100% ready to use lower, but with easier final machining steps and a lower number of specialized tooling. (Not everybody has a broaching press available... you are not going to find one at the local big-box store.

) The market settled here on the 80% as the best balance of material, labor and tooling that a D.I.Y person can handle without the gubberment permission slip.
And milling from bar stock is the most expensive path. You have to buy both the raw stock, and you need the equipment to work it. However.... and this is a big however.... once you have the equipment, you have the means to make one should the other options get closed out. Some folks value that bit of self-reliance. I do too. I just can't justify buying that custom CNC mill.
Personally, I'm at the saturation point with the AR.... I think I probably have a lifetime supply of lowers. The last few I bought were not because I needed them, I just wanted to give some support to a vendor (TM in DeLand) who was fighting it out with the gubberment.