As a prospective applicant, just throwing in my $0.02...
1) In most cases, I don't think it makes sense for an undergrad to pay for admissions consulting. There are so many people in that boat (AKA most people), there is way more flexibility with time, and most advisors will know how to advise you, since regardless of what path you take, the experience is relatively standard and easier to assess.
2) As a non-traditional applicant, experiences vary a lot more. While there are so many stories and experiences on SDN, it is a lot more difficult to find ones that are applicable to your situation. The time commitment of sifting through tons of online forums and threads, wondering if *maybe* what person X did would help in your situation, is also generally less feasible if you are working full-time (remember, it's not always 9-5 for everyone). At this point, depending on the desire of the applicant, financial situation, available time (and other factors), having someone else doing the legwork for you might be worth the money.
Anyways, I am not in that situation (yet), but I've been having trouble finding answers to my questions/people following the same path. I am new and still learning about SDN, so it is highly possible that I am just not typing the right keywords or following the proper etiquette, but I have been browsing/posting and am looking to improve my results. What is the proper way to solicit advice from people on SDN? I presume that members with one of the various "Verified" labels are probably on adcoms/faculty, so I would love to hear their thoughts as well. I know that they are busy, so is it acceptable to cold PM asking for advice? Is there a thread with rules for this? I know that these questions don't directly pertain to the topic (maybe it could dissuade people from paying for consulting?), so sorry in advance if this causes any inconvenience.