So there are parts of the bike that I can work on myself no problems: Chain, Derailleurs, Brakes etc. I have a mechanics rack to do the work. Then there are things like headsets and Bottom Brackets....my question is when a person has the ability to work on something but they take into account purchasing the tools and also the part in comes out a whole lot more exspensive then letting a shop do it....Example: Headset would cost around $90 or so in tools if you dont have them and this price takes into account the Park Tool Home Mechanic Bearing Cup Press, not the shop quality one. The shop would charge around $10 to $20 to do the job.
So what do you personally do in these circumstances?