I only bake for my family. This past weekend I went to the grocery store with the intention of buying real white chocolate for white chocolate ganache, but when I saw the price, did the math and realized I would be spending over $100 on just chocolate, I changed my mind. Instead I bought the Nestle White Chocolate morsels and did a 4:1 ratio. I used it to fill and cover a RV cake, and it came out great. The ganache had to be refrigerated, at first I left it at room temp and it stayed runny, but after a few hours in the fridge, it was creamy and spreadable. I've also used Nestle's semisweet chocolate chips for ganache and had good results. Note: it does take longer for the chips to melt, but they do.
If I was selling cakes, then the increase in price would be passed on to the customer, but since I am the one paying for it, I can't bring myself to spend that much on one ingredient.
I didn't mean to sound like a snob, although I sort of am when it comes to chocolate especially. By all means, use whatever you want. I started looking for things at my local grocery store as well. Living in a small town didn't give me many options or variety so I started looking online and trying higher quality ingredients. It's really amazing the difference it can make.
That was just my 2cents