Thinking about doing the cosmetic one myself. I prefer the more immediate results. I did the dentist one with the custom made dental trays and peroxide solution that comes in what looks like a hypodermic needle. My teeth were really sensitive and it did not do much for tobacco stains. (I know. Quit smoking.) They also started to become a bit transparent after a week but after I stopped, that improved. All in all, they were really sore and I doubt I would do the long drawn out process again.
Crest White Strips were not any more effective than a whitening toothpaste in my opinion. But they did not make my teeth sore. They are a weaker version of what the dentist had me do. They also only cover the front teeth and not all teeth.
If anyone has any personal experience with the cosmetic do-it-now procedure, let's hear it because I am on the verge of doing it myself unless I hear some negatives.