At one point as a teen with low money, I decided that tools were cheaper than shop labor, especially if a task was needed more than once. Thats when I bought a crank puller, and a bottom bracket wrench along with a set of cone wrenches. Not long after that I bought freewheel, cassette tools and a chain whip. Allen bolts got popular so I got those wrenchs a few years later.
Its not very often that I bring my bike to a shop but it does happen. I do that for for very specific tasks like chase and reface. For smaller tasks local coop and bike kitchens, nonprofits, are great places. They have most tools and a body that can guide you through the process. The local nonprofits will charge money for the stand time, but it is a pittance, and you will leave with knowledge and a feeling of accomplishment, these people can be a hooting good time to chat with, lol.
Careful you could get addicted...