I use whatever I grab out of the cabinet that day. I tend to use more straights or SE, but do still pick up a DE occasionally.
Straights don't need to take a lot of time. Stropping only takes a minute to do, and just like anything else, once you learn it, it's just muscle memory.
I actually timed my shave the other night because I was talking about it with someone else. I started the timer, took my brush out of the soaking bowl, made my lather, did one pass, rinsed, re-lathered, did a second pass, rinsed my face and cleaned my brush, then stopped the timer.
7 minutes 43 seconds for a 2 pass BBS straight razor shave with no cuts. If you include pre and post stropping, it's still only a 10 minute shave.
Honing is like anything else as far as cost. You can do a few bucks and stay with film, or you can spend hundreds on a single finisher. Once the bevel is set, just a little maintenance will last you a very long time. Honing takes a bit more to learn, but it's doable. There are people that do an awesome job willing to do it for you that can save you some time and initial cost also.