I too am married, 2 kids, mortgage, professional (40-60 hours per week), and am making good money, but I'm going the opposite direction you suggest PCS2. I use my bike(s) primarily for commuting and don't want to give them to my LBS for days at a time.

I would characterize myself as above-novice-but-still-tons-to-learn "mechanic". It certainly takes me way more time for me to work on my bike, but this is a hobby and I'm getting better. I love learning how they work, I love being nearly self-sufficient, and I love the satisfaction of doing the work myself. Hopefully, by the end of next summer, I'll have all the tools and skills I need to take down and build up a bike myself (with the possible exception of wheelbuilding and headsets).