I've only had a C-section. Maybe I'm in the minority but I had no problems, and very little post-op pain, no infections and my scar is tiny. My recovery was quick, but I went against advice and was doing my normal stuff within days (supposed to rest for 6 weeks). I just can't stand sitting about.
Although it was a very quick procedure, there were at least half a dozen people in theatre so I can't see it being cost effective.
I've heard horror stories relating to both natural births and C-secs, so as I say I think I was very lucky.