Seriously, before I built a darkroom, I used a lab which would develop and scan, so I got back negs and files. I hate home-scanning too.

Once you have built your darkroom (!!) you will find at least B&W is easy to process and print yourself. I still send colour out, and doubt I will ever bother doing my own colour processing.

Re portable MF camera. TLRs like the Yashicas are good fun, good quality and easily fit your budget - but lightweigt and easily portable. Some have meters, but not spot. I have just bought a Mamiya 645 with two lenses for 150. This is (reasonably) portable with a prism finder and in-built metering, but again not spot. Bigger and heavier than a TLR but with the benefit of easily changeable lenses and SLR handling.