Waple.......
"So my perspective is from a cheapscate who really only looks for the bargains." 
Well that just about sums up your difficulty, doesn't it.....
oosilvergt.......
"Portraits, I would scout around and see what the other guys charge, look at their work, if it is comparable to what you would do, if so or if not price accordingly."
So.....you are happy to let other people fix your prices? Really poor thinking there.....