It seems like a very good idea to have one, but as you mention it is probably not cheap. I used to go to a gym where they will give me a person responsible for me. He or she will give me a bunch of tests first, ask me questions about what I wanted to achieve and then they made my program. The program was then reviewed every 3 months. It worked great and it was not to expensive as I was a student at that time. Now I'm to busy..
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