...Many cemeteries require one or the other because they don't rot and collapse, leaving them with a hole to fill up. Wood caskets rot apart and collapse leaving a hole that needs filling later...
If you mound the dirt that came out of the hole on top...?
It will eventually be flat again.
Think the law here is 3-4 days before embalming is required.
And you are correct, avoid commercial operations... as they are, indeed, a rip-off.
GR