You can spend the money, or you can add a couple lines of code to your program. To each his own.
The issue with using the programmer (assuming you have one that doesn't forget the settings after each use) Is that 6 months or a year from now, when you want to program another device with the same code, you have to dig through your notes to decide what to program the fuses to. If it's already in the file, you simply program.
Honestly, I find the option names pretty intuitive, and spend less than 2 minutes at the start of a project deciding which options I want and adding them to the file. In fact, for the two devices I use most often, I have a generic file that sets fuses, turns off rarely used functions, sets up important registers and so on. The files are well commented in case I need to make changes, but are almost always more than 90% correct, and I can start coding right away.
I did try out Darrel's program, and it was very good, but I found doing it myself to be not all that painful after the first few devices I played with.
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