I got married almost 10 years ago but we only had the photographer for before, during, and immediately after the ceremony. We also got him for about 1 hr at the reception to do the staged shots of the cake etc. It worked out well because our guests were having appetizers and weren't just standing around waiting for dinner.
I would agree that professional photos aren't really needed for the reception. Many couples put disposable cameras on the tables for the guests to take candid shots and then you can get some fun stuff for a photo album outside the professional one. We also decided to use a videographer for the wedding and reception which was much much cheaper.
One recommendation if you are not superstitious about seeing the groom before the wedding is to take a lot of the group family shots and shots of you and your husband before the wedding. At this point your flowers look fresh, your makeup is still fresh, and also by doing it this way you aren't making your guests wait for a long time for you to show up at the reception. Just a thought...
Good luck!