John, just as a slight side-track. You keep asking about cost effectiveness and your baked goods. That, by itself, is a meaningless term.
In general, cost-effective would be a balance between what it costs you in time, ingredients, and overhead (and amortization of capital goods) vs. what you can sell it for. Thus, if a muffin cost you 10 cents to make, and you sold it for 11 cents, it wouldn't be cost effective. But if you sold it for 20 cents, it would be.
But it goes a lot further, because with foodstuffs in particular there are intangible marketing considerations. F'rinstance, what is the value of you're being able to proclaim, "all (muffins), (cake), (bread), (whatever) baked fresh daily on premisis?"
Now, let's say it costs you 10 cents to make, and you can buy it for 10 cents. Objectively, baking your own would not be cost effective. But what if, because of the "fresh daily" concept, your business improved 20, or 25, or 50%? Wouldn't it make sense for you to keep offering those non-cost-effective baked goods?