So there is a significant difference between getting my baby chipped at the vet (twice as much) as the spca. I assume spaying will be the same (I dont know how much the vet charges but spca is $40). My vet said she would do the chip and spay and check her teeth at the same time. Is it worth all the extra money (Im guessing $175 more than the spca) to have this done at my vet rather than the spca?

I had Lola spayed at the low-cost clinic, and everything went fine. They took good care of her and she's healed up well. Our local vet offered a free post-op exam after surgery, which was nice for peace of mind.  It saved me money that I can spend on dog food, treats, toys, vaccinations, heartworm preventative, more toys to replace the toys she ate, more dog food ... you get the drift!