Hey all - this may be old news to you guys, but a friend just sent me a link to a place that prints your 12x12 LO on 13x13 paper for $2.49 when you order 10 or more pages (plus shipping). It may be a wash financially compared to Costco when you factor in the shipping, I don't know, but it seems like a good option, plus you can avoid the whole resizing to 97% to avoid Costco trimming your LO. Here's the link:
http://www.archiversonline.com/pps/pagestogo.asp
Hope that helps someone! If anyone's used that place, I'd love to hear any opinions!