Clarification....

I wrote:
Alternatively, it might be "better" to set up a loan with regular monthly
payments and to include an extra monthly payment amount yourself every
12th payment [1].
[....]
Although that is $132.32 more than the loan with regular biweekly payments
($18.90 more per year), it might be "better" because there are no (or
less) per-transaction fees.

That is an __average__ of $18.90 more per year.

I was trying to make a point by putting things into perspective. IMHO,
about $20 more per year (on average) is not enough of a difference to
outweigh the subjective benefits.