I realize your situation is quite different from mine and I agree that not everyone has access to the space or has the ability to do their own repairs on bikes, or anything else for that matter. I've heard the saying that "one of the greatest sources of untapped wealth in this world is an unknowing armature with a spoke wrench".

However, given favorable circumstances of room, willingness to learn and mechanical ability, I recommend riders do as much as they feel comfortable with and learn to feel comfortable with more.