To answer your questions yea buy your arrows from a pro shop because they will cut them for you. That doesn't mean youhave to spend $120 a dozen. I am pretty sure that you can get Gold Tips for around $40 a half dozen maybe....?
Plus look at the prices on hunting arrows at Walmart or Dicks the next time you are there. They are hard to find any cheaper than 6 or 7 bucks a piece for junk arrows.