Take this local place (for example) ->
https://www.missouriorganic.com/mulch , 9 cu yds would be about $289, picked up.
120 bags, 8.889 cu yds, picked up, at Home Depot @ $2.50 = $300. Remember, a bag is 2 cu ft, so we put down 240 cu ft,
that's 8.889 cu yds.
So you're right, my math was wrong, the difference was ~$11 give-or-take a couple of shovel fulls.
As for delivery, I didn't even look into it. When I woke up I wasn't sure what I was going to do, mulching is what I decided to do. So scheduling a delivery wasn't in the cards, who knows when they would have gotten 9 yds to us... Plus, I didn't have any idea I needed 9 yards, but I did...
Oh, and I forgot, since I have done "bulk" pick-up before, I would needed to take the tonneau off to do the bulk pick-up deal, that process SUCKS, so add that to the list of reasons to not go that form of "bulk" route.
And I'll add this, it's my opinion that, because the bags seem to be compressed, the effective volume of bags seem to give you more than the bucket-full route. I'm sure the bulk boys would disagree, throw some science at me, throw-in some bullshit, but I'm just saying what my observation is.