Digital BW, The Print

I'm curious to learn how you guys handle the considerable chore of 
matting your prints; more specifically, arriving at matts with windows. 
Do you opt for matts with pre-cut windows (and therefore print for the 
pre-cut size), cut your own windows (and therefore print for the image, 
not the matt), have them cut locally, or custom cut from an online 
supplier? I've got this issue coming up pretty soon and it feels like 
an enormous undertaking; your various perspectives and tips will be 
appreciated.

-Michael K