I def. see things differently that some here...
Many years ago I purchased the stuff needed to do my own oil changes (ramp, pan, tools, etc)... After doing it a few times, there was no question that it wasn't worth it for me personally...
For me the equation was something like this....
$34.99 and 15 minutes of time (we have quick in and out oil change businesses called superlube here, which you can eyeball and verify how busy they are)
vs.
30 minutes of my time doing it myself, having to plan around scorching Florida weather, having to spend time buying oil/filter, finding a place to discard oil, finding a place to store ramps+pan, having to roll around underneath a car, getting my hands dirty with oil + having to scrub, etc. etc.
For me personally, far more mental stress was created through doing myself... and I was better off spending the $34.99 and using that spared energy to make up the $34.99 on something I'm better at and enjoy doing. With that said, I've changed the radiator+fan+break pads... and will continue to do the one-time, "non-specialized" tool maintenance.... I can stomach spending 4-hours on my car, if it's a one-time fix...and I'm saving hundreds.... But periodic maintenance, to save $10 = zzzz
The true answer to this question is... it depends on your personality and how much mental energy it cost you... and if there is a more valuable use of your time.