I use the RIX SA-6 for very occasional filling, and if you are just talking consumables and maintenance, not purchase price depreciation, I believe it is clearly cheaper than paying for fills, especially as they approach $7-$10 per tank as in some areas.
The oil-less feature of the RIX compressors reduces filtration costs significantly, but even for just standard breathing air you need additional filtration to deal with residual moisture, or you'll have standing water in your tanks. A little hopcalite for CO removal - if you've got a gas motor - and charcoal for final polishing is probably helpful as well.
The shorter style of tower has worked fine for me. I use two, with a moisture-only cartridge followed by a hopcalite-charcoal combo. That may be excessive, but it also lasts a very long time.