My opinion, many are making way too much out of hub versus lug centric balancing. You might have a wheel bad enough to matter, but very very unlikely. And if your wheel is that bad, it is going to run OOR, and never balance well anyway. The shop would see that, and if they are any good at all, they will try to figure out why. If they slap way too much weight on one side, and you let that pass, look in the mirror.
As far as balancing or not, how would you even know if you need balancing until you've done it? And if you're going to buy the mounting and hazard insurance, balancing is going to already be included. At most shops anyway. If they try to charge extra they are just gouging you.