I had the same dilemma, safety was my justification. (I sliced a big chunk out of my leg using a grinder, requiring a trip to the emergency room.) Plus the grinder was hard to make accurate cuts on tubing. I bought a powermatic 143 bandsaw used on ebay for $800. What a nice piece of equipment. Slow speed for metal, high speed for wood, rigid frame so you can tighten the bands sufficiently, tilting table, miter slot so if I want I can make a compund cut (tilt the table and use a miter guide in the slot). Or just draw lines on your piece of metal plate and cut to the line. I thought long and hard about getting just a horizontal metal cutting bandsaw but decided the versatility of the vertical bandsaw was too good to pass up.
I really like this bandsaw. I thought about moving my bed out to the garage to sleep next to it.