What's so tough about replacing a chain, BB or cassette? Nothing, that's what. Recabling and servicing hubs aren't a problem either. Tune ups, brake pads? A snap. The labor savings pay for the tools. I enjoy it because I like my ride to be in tip top shape ALL the time.
However, I do know people who should not be allowed to own tools. They wreck anything they touch with a tool. My Dad was like this. Fortunately, he had two sons who are toolheads. So, YES, you do not have to wrench to get with biking. Do so, secure in the knowledge that us toolheads are not laughing behind your backs. We may scratch our heads in wonder. But laughing? No. bk