BD is entirely free.
Don't get me wrong: I did exactly what you're doing for many years, and was happy with it. And if it's just something you're going to read once and then throw away, it's a very good approach.
The real shortcoming of RTF on the Sony Reader for me was the fact that it didn't handle illustrations. I'm a big fan of 19th century novels, many of which are beautifully illustrated, and I felt that the illustrations added so much to the "feel" of the book, that I wanted them in my eBooks. Hence my desire to wish to create the best-formatted eBooks that I could, complete with TOC, illustrations, a nice cover, and so on. You may have noticed that I've uploaded very many illustrated books here to MR.
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