Dont Part 141 programs have much more rigid rules that they have to follow? Dont you spend less actual time flying (Commercial at 200 hours in 141 vs. 250 in 61)? You might want to take a look at the "big picture" costs.
I think it may be a bit dangerous to assume that all CFI's will give ground instruction at no charge. Some do and some dont. If you are committed to your school's program, then you may just have to pay up and do the work. Or, find some other solution that fits your needs and wallet better