Actually the answer came in the form of two additional questions. For me to play organ in church, I had to be able to answer at least one of them in the affirmative. Many of our members enjoy being able to sleep in on weekends, without the commitment of a regular church or temple job. Those who are retired, semi-retired, or pursuing other careers may do substitute work. To make service playing worth their time, many organists require more than the minimum substitute fees established by the local AGO chapter.
Drive time is drive time, prep time is prep time, and time is money.
Whether one service or two, it makes little difference, Either ties up half a day, and the whole weekend is shot for going out of town. Also, it makes little difference whether we accompany a choir or direct from the console. The effort is usually about the same. And, if simple hymns are all that is permitted, most of us feel an artistic void far greater than when circumstances allow us to play a nice prelude and postlude. As a professional organization, one of the most important things that we do is recommend minimum fees for substitute work.