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From an affiliate point of view, programs like CJ can provide you a good base of affiliates with relatively no work. They already have thousands of affiliates who are always looking for new programs so they can introduce your program to them and acquire affiliates relatively easy. Starting one fresh from start is a bit more difficult unless you have contacts to build affiliates already.
In terms of costs, last time I checked CJ charged 20-30% of the lead price + a setup fee. That's not a very high price assuming you don't have the resources to build an affiliate program and deal with affiliate fraud. Of course building your own is usually better in the long run since that's a fixed cost versus an ongoing cost like CJ provides. If it's feasible, I would do both. Start up with CJ since the upfront costs are less and then build your own program to market to your own webmasters.
WG
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I play with Google.
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