3 1/4" sounds like a small, one piece frame, bench top. I'd invest in a larger saw, like at least a 14". That way if you ever want to resaw tops, you could have that ability, plus there's alot more power.
Yeah, I'd hate to have to send some wood out to be cut. I remember when I got a piece of figured maple, the guy came by with like 7 pieces, and I chose one and my boss chose two, I marked out how I wanted it resawn, and I remember being quite nervous as to what it wood look like when I got it back.