I'm a big advocate of self-sufficiency, at least up to a level of doing basic setup (relief/intonation/action) work. Setup is personal - and it's really not difficult. Of course when you get into territory like what is being discussed here, it's player's choice if they want to stretch themselves and learn these other skills. Me personally I do all my setups, I'm OK with the electronics if it's not too taxing, replacing hardware is fine, and I'm currently at the grinding back ratty fret ends/knocking down proud frets kinda stage. Mostly using improvised tools, because I'm a cheapskate.