This is me, but for different reasons.
I'm still physically in good shape but have little mechanical experience. Our rural property is off-the-grid, undeveloped, with we only have basic tools there so far. I only moonlight there, and still work part-time "in town" running my own business doing computer stuff for as many days/hours a month as I choose.
Therefore time I spend repairing/maintaining my tractor, UTV, etc. is time I don't spend improving my land, or time I could be working and earning money. Because I'm inexperienced, inefficient, and poorly equipped to do equipment maintenance, it's not hard to justify spending the $ to have the dealer do it, even float costs for the equipment if needed.
On the other hand, I do want to learn, and while I'm no prepper I do rather expect we're going to have some sort of crisis in the coming decades where we will all have to be a lot more self-reliant (we've actually had it very easy compared to previous generations in this regard). So each year I try to find some things that are just at the limit of my capabilities and do them myself, inefficiently but as an investment in my future.
Therefore, unless something gets in the way, I expect this year I will do all my fluid changes myself for the first time. It will take 5x as long as it would take some of you, I'll get messy and emit a few choice curse words I'm sure, but learning is good. However, when I next break my tractor, unless all it needs is a part swap-out I can do with a few wrenches, a hammer, and verbal encouragement, back to the dealer's shop it will go.