I second what Rol_Lei nut said about developing your own, the equipment is minimal in amount and prie, there's plenty of tutorials on youtube and the internet in general. Plus you get to see your results straight away, and it's just so rewarding. I worked out that developing costs me around 60p per roll, thats uk money, probably around $1 which means more to spend on film too

To answer your question, I use Ilford HP5 (400iso) if its cloudy or indoors and Ilford delta 100 when its sunny.