Like other mentioned, learn to do the simple stuff yourself and you'll save $$$$. The only special tools I l have are for the rear cassette removal, bottom bracket adjustment, crankset remover, and chain breaker ('rivet popper'). Altogether they probably cost around $100 and have paid for themselves many times over. Sand and snow? Just lightly hose it off with a garden hose, then a quick wipe down with a rag instead of pressure washing - that's what I do with my MTB.

Since you mention living in Western Washington, is there an REI or Performance Bike Shop near you? Both run a basic bike maintenance clinic a few times a year. Sign up for one of those and it'll give you a great start on basic maintenance/repair.