Also, dependent on your financial situation, how much money you make, if your are compensated with quarterly/yearly bonus', etc, then you may not want to wrap your property taxes into your mortgage. ... wouldn't have my insurance included in my monthly payments either. I prefer to keep it all separated.
I agree with you in that I like the separate as well, but many (most?) lenders require you to pay they into escrow so they can ensure the taxes and hazard insurance are paid. I'm about 99% sure the FHA, VA, and section 184 loans do.
And 30-50 bucks for PMI is what it was maybe 15 year ago. These days after the 2008 bubble burst, the premiums are more like 100-200+ per month. It's ridiculous. The big advantage of my section 184 (Native American) loan is no monthly PMI. That lending program is the single biggest benefit I've ever had for being a tribal citizen.