I think you must have been given some wrong info. Heck that is scuba tank size and the cost is high for refill mostly due to labor cost I would think. I would check as many LWS places as you have in Pine Bluff to verify. The 125 CF is about as small as I would want for O2. The 75 on the acetylene might be ok if you dont use a rose bud a lot for heating. A propane weedburner torch from HF does a good job of heating if you dont mind heating a large area.
I can't say I was or wasn't given bad advice. While I was considering the best route to take, I was making phone calls to ask questions. I couldn't get an answer about prices or sizes of cylinders. Then I called one place that's based out of Hot Springs, and got some answers. Maybe that's just their policy with small users, but I give them my business. Besides that, they're the lowest price in town on refills. Not by much, but they are the lowest.
I didn't buy their bottles. An online supplier had the best price I could find for the money I had to work with. Those cylinders were about $180 a piece. I also took loading/ unloading for refills into consideration. Given the fact that I only have one strong arm, that's about as much weight as I want to handle. I'm just a hobbyist, and those are a pretty good size for my use. I don't have any rosebuds. Just a couple of cutting tips and a welding tip. I'm not heating any large areas.
Lately I've been entertaining the thought of going to oxy-propane. The only thing it can't do is weld, and that is fine by me. If I go with that option, I am going to swap my acetylene cylinder for 75/25. Maybe I'll look into upgrading my oxygen cylinder to 125³ft. That's going to depend on the weight. I have read that a 20 pound propane tank will outlast a few oxygen refills, on top of frying a few crappie and bream.