If I did it by hand, it would look like crap. I am not that steady. Too much caffeine in my system...:reddevil:
I have neither of those stores nearby, and Lowes has 5" saw for nearly $40 (high end name brand).
I have a dremel tool with an attachment that lets me set the size of the circle and attach a router tool to it, and it holds it as you slowly work your way around to cut it out. If I cannot find a Harbor Freight or Big Lots soon, I will do it with the dremel .