I'm an ex baker and happily pay a good price for a well made cake as I know the work that goes into them. Based on looks alone I wouldn't pay for either of those cakes. They don't look good at all.
Regarding the price difference between small businesses and commercial bakers, it's not just ability to buy bulk, it's also the ingredients used. I could bang out the sponges for 50 birthday cakes in an hour. We had big sacks of sponge mix that you just add water to, whizz it up in the swimming pool sized bowl and all go into the oven together. At home I'd be using eggs and sugar and flour and it'd take a lot of time. There is very little in a commercial bakery that is made from scratch.