In reply to Lamb:
Ged has got it pretty spot on, most folk who are reasonably happy in the outdoors and basic map skills won't 'need' a guide, but it definitely can add to the experience, it depends on the kind of experience you want. The major downside to having a guide is the total freedom to set your own route and schedule as you go. If you luck out and get someone who is very knowledgeable about the flowers and birds you'll see it can be really great.
Room prices tend to be fixed, but a lodge owner will sometimes spontaneously offer you discount or a throw in a free hot shower if you arrive at their door with a smile, I have never heard of anyone being ripped off (although it will feel like it if you insist on buying a snickers bar at 4000m which someone has spent 3days carrying up there). Always eat dinner and breakfast at the place you sleep at.
Early November is very much peak trekking so you may find you have to go round several lodges to find a room, but you'll get somewhere, as you get later in November things get quieter. As a previous poster has said, it will be busy with other trekkers enjoying the same vistas as you, if you mind that kind of thing, don't go to Annapurna outside of Monsoon season (many leeches and limited views), otherwise just embrace it.
There is a permit office in Pokhara as well at Kathmandu, depending on your schedule it might be more convenient to use this office. It is perfectly feasible to go and get your permits in the morning, get a taxi to the trail head and start your trek in the afternoon (taxi drivers hang around the permit office for this reason). Buses out along the Baglung highway (most trail heads you might want are on this road) are also possible if you want to save a bit of money, but requires more effort to get out to where they leave from.
Have fun