Welcome back to riding rocco. I only have a few basic tools such as chain tool, pedal wrench, hex set, tire levers, and just basic every stuff. I do a lot of my own tuning. When it comes to tearing down a BB etc I leave that up to the LBS. So I basically have very little money tied up in tools but do 90% of everything that needs done including all shifting adjustments, new cables, new chain, true wheels and keep everything else good and tight. That takes care of almost everything. Once a year I drop the bike(s) by the lbs (in the winter) and get the bearings, hubs and BB checked out etc,...