I've been filing my own taxes my whole life and my in-laws' taxes for a few years now. We make approximately the same amount of money (~$100k household). However, due to heavy investing, our AGI falls below the income threshold for free tax software, while my in-laws have to pay for the software or use the fillable forms, which is a lot more work for me...
I should also note: we got our personal refund down to $3 this year.