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if you want the added security that an agency can provide and the financial go between then just find a good agency it doesn't have to be in your state they can be anywhere and handle all the not so fun parts...also an agency is good if oyu dont want to take the time and sometimes a hassle in finding a match. they will do this process as well......
if you feel your a very good judge of character and willing to save your IPs loads of cash...then independent would be for you..
remember if you decide to go indy....get your OWN lawyer! whatever your demands, fears, fees etc. let them be none up front.