Jumping from only light maintenance to changing a rear main seal is quite the leap!
I remind myself of the the 5-digit savings whenever I'm in line at Harbor Freight... which is often.
When confidence in repairability is low and stakes are high, it probably makes sense to opt for a shop.
Of course a professional will accomplish tasks faster than a DIY'er checking YouTube.
But, as OP says, there's savings AND personal satisfaction involved. Why is time-efficiency the metric you're weighting in value?
If a pro mechanic would charge me $100/hr times the book time of 1.3 hours to change pads on my car and I take 3 hours to do it, I saved $130, not $300.
For simple jobs, I can usually match or slightly beat the book rate. Because I don’t have a lift, a lot of undercar work takes me loads longer.