I think you may (may) have confused what I meant. I meant using cat6 keystone jacks with punch downs over 5e. The cat6 keystone jacks can be used with 23-26AWG wire, which means 5e and 6. They are also reusable if you wanted to (though generally cheap enough in bulk, you just might not want to bother).
That said, yes, I don't use a patch panel and patch cables on the "server room" end. Yes, to save money. Other than the occasional time were I bork a crimp and have to redo the end, I don't have any issues with my wires. I haven't tested them under 10GbE yet, but I don't have any issues even on very long 1GbE runs. Full speed, full duplex, no issues in testing the lines either.
For cost, it depends. Between all of my runs, plus all of the patch cables I've made at end devices, I am probably up to around $100 in cabling and a patch panel (on the low end), that I've spent around $5 on ends for and $20 in cat5e to make the patches with. Also convenience. Too many times where I realized I needed a longer/new patch cable, and unless I just decided to buy a ton of extra, that means I'd need to buy another and twiddle my thumbs waiting for it to show up, or drive somewhere and buy one.