OK, I seem to only post in the eyewear threads, but with 21 years (as of tomorrow) experience as a dispensing optician:
YOU own your prescription. If you’re not happy with frame selection or price, or service, at your doctor’s office, look elsewhere. You can call your insurance company to get a list of optical stores that participate.
If it seems the optician truly cares about his/her job, and enjoys it, chances are, you’ll end up with glasses that are right for you. I’d rather see you take your money elsewhere than sell you glasses that will never make you happy. Yes, my boss hears me say this to the patients.
As far as “the stuff”: Titanium frames are remarkably light weight and durable. Once they are adjusted to fit, they require almost no attention unless you have a mishap. Polycarbonate or high index lenses are nice, but not always necessary. I get the uber-discount, and I wear plastic (CR-39) lenses with anti-reflective coating. Do not pay for scratch resistant on poly, AR, Transitions, or any progressive (no-line bifocal) lenses, as I can honestly say I don’t know of any that are done without it. AR is actually harder than most scratch-coats. It is the one option I will always pay extra for.
Transitions: works beautifully, outdoors. It needs UV rays to make it get dark. It will get darker on a cold bright day than on a warm bright day. It will not get or stay dark in your car. It comes with scratch-resistant and UV protection already built in, so DO NOT PAY EXTRA for those options if getting Transitions. (almost sounds like your insurance may partially cover photogray, which is only in glass lenses)
And, when trying on the frames, put them on your face the way you intend to wear them, NOT the way you think the optician wants you to wear them. You would not believe the mistakes that can happen because someone pushes their selected frame close to the face when they actually wear their glasses a little further away. I know that actually sounds kinda stupid, but it can make a huge difference in whether you get a pair that makes you truly happy.