Yep, use a service here. I am not a lawn/garden person, and I'm basically allergic to the outdoors (and half of the indoors, too, but that's another post). DH hates yard work and has zero interest in Mustachianism, so I'm not going to waste my time trying to convince him to do it. We do the minimum we can get away with to not be totally out of whack with the neighborhood: local service comes in as needed to mow and edge, c. $55 per visit for a not-quite-1 acre property. We don't water or use pesticides or fertilizer. Once in a blue moon we'll get some mulch.
On the conservative side, say it runs me $250/mo. (which is high, but more likely if we start to use them more frequently for the big cleanups). That means I need to save an extra $75K to cover eternal lawn maintenance. Given that we have more money than time right now, it seems like a cheap way to offload something I hate to free up more time for something I enjoy more.*
The parts we do ourselves: weeding around the beds and the 2x/yr hedge trimming. Weeding doesn't seem to bug my allergies much; the trimming sets off my allergies a little, but not nearly as bad as mowing, and the service wants an exorbitant amount of money for that, so it's worth a couple of hours of family effort once or twice a year (although we did hire out the big fall cleanup this year since we're currently not at the house). DH will periodically run around with Roundup and a spade to continue his personal vendetta against dandelions; he'll also periodically run a spreader over the yard with grass seed/fertilizer stuff, particularly after we've had a tough August. We've also turned the back of the property into low-key gardening (e.g., blackberries, blueberries, fruit trees -- that last has been an epic failure so far), so there's the annual "cut the dead stuff, yank up the weeds, and tie up the new canes," which is a giant PITA but I need to do myself. Plus harvesting, of course, but somehow picking berries doesn't feel quite as unsatisfying as cutting the lawn (one word: pie). ;-)
I really, really like the idea of adding clover; we tend to get a lot of crabgrass, since it's heartier, so having something that's softer underfoot and doesn't require mowing would be awesome. I imagine once we retire and have more time on our hands, we'll have the headspace to think about bigger changes like that. When we moved in, the yard was basically something that looked like it had been installed 20 years before by someone who was really into yard work, then completely ignored -- there was a pergola that we literally didn't even know was there because it was so overgrown. So our "free" time/effort since we moved in has been to reclaim areas that were completely overgrown, install a new pergola, plant berries/fruit trees, install an irrigation system to serve them (DH did that), remove/cut back trees that are dropping limbs, etc. And there are still parts of the yard that we haven't gotten to! I would dearly love to finish taking out more of the ugly/overgrown stuff and replace it with more low-maintenance stuff, but just don't have the headspace right now to tackle that.
*Of course, we're also FI, and I've never considered myself particularly Mustachian.