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princeperch
Nef
konastab01
That's not fair to ask on a public forum. It's specific to the area people work in as well. As it happens @konastab01 has given a lot of details about how and why he operates over the years I've been reading this thread and it always seems to add up in my estimation.
Like I said before, some trades do and some don't. I have trade accounts with places, I send customers to look at the pretty things, the shop rings me to ask if they can have the prices from my account, I say yes, the shop says, well ok then. In short it is also the case that you can be paying directly and still not receiving the discount that a tradesman would.
It's great that you're happy with your builder, one man's meat is another man's poison though. Each to their own.