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Something no one else has mentioned here - programmer portability. Go ahead and write your own framework/code/whatever, and if someone else has to work on it, they need to get up to speed, learn all the ins-and-outs, etc.
With a well-known framework (CodeIgniter is best IMO), another programmer can jump right into your code without too many problems.
Not a big deal if you're planning on writing everything yourself for the rest of your life, but something to think about.
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