In my vast experience you are more apt to get ripped off by a Dealer shop than an independent shop where you know the people. My Kubota dealer quotes $500 to replace the $12 fan on the BX transmission. Their labor rate is $125/hr. I did not want to spend my time doing it after I bought the fan to do so. Went to my independent auto shop I have work on my vehicles. Their labor rate is $80/hr. They said sure, bring it in and a copy of the WSM pages describing the work. The job is more about removing and replacing all the stuff in the way than actual mechanic work. They had never seen a BX before. They did the job for $250. Said after word that is was not that hard just tedious. The actual part replacement time was 1/2 hour after they could get to it.
That is why I have them do my work and recommend them to others. Folks are always thanking me for steering them to my guys. They did say, if it takes special tools, you have to buy them. I buy the parts one we know what is needed. We work together to get the job done. No hassell about insurance co not allowing customers in the shop. I have always believed that is just how the keep you out. Too many belligerents to mess with is a better reason.
Ron