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If you've invested in getting a well "decorated" PSD then by all means go it is. But for a start-up agile development and Lean UX is the way to go. (IMO)

I think it is worth-while to avoid PSDs in general, and I think people that master Lean UX (or CSS driven design) will be a huge advantage once HTML5 is standard.

I'd avoid them too. Complete waste of time and effort.

If you're bootstrapping, not at all.

If you're a company paying it's designers/coders a premium salary, probably worth it. You'll often end up paying more in-house in salary (and they can be working on something more valuable)than you will paying a psd2html service.

http://psd2html.com has given me good results in the past. Worth it? Depends on how much you value your time.

they're worth it when you're doing contract web design work and your margins allow you to scale horizontally and still profit with them.

Also, once you've mastered the slicing process, it gets really boring, so outsourcing it is a nice relief

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