I clean and inspect my bike regularly and do the little things like replace brake shoes, but look at what my local MEC (the equivalent of REI) offers for a flat 85.00...
"Hubs disassembled, cleaned, and inspected. Repacked with new bearings and greased.
Frame fully cleaned and inspected for fatigue damage.
Frame and fork wiped down.
Wheels trued radially and laterally. Spoke tension checked/adjusted.
Crankset removed, bottom bracket tapers cleaned.
Front and rear hub bearings adjusted.
Derailleur and cable tension checked or adjusted.
Derailleur hanger aligned if needed.
All pivot points lubricated.
Threadlock applied to crank bolt, rotor bolts, calliper bolts, and loose hardware.
Brake cable tension, shoe height, and angle checked or adjusted. Centre orientation confirmed.
Headset checked for proper bearing adjustment, adjusted as needed.
Bottom bracket checked for proper bearing adjustment.
Flats repaired, tires installed if needed and filled to maximum stated pressure.
Stem, handlebar, seat, controls, seatpost, and crankarms checked and adjusted".
Gives me a nice secure feeling before fall touring season begins. This year they caught a dangerously worn rim, something I'm not sure I ever would have noticed. Another thing occurs to me - although most of us oldsters own houses with garages, things are changing as the population moves to apartments and condos, where bike maintenance becomes less convenient.