>And yes, if your time is worthless, and you don't value your neck, you could DIY, and save on some of those costs.
This is such a cop out. How I spend my time is up to me. If it's a DIY weekend project being worked on a weekend that I had no other plans, then it's not really a cost to me. Sure, professionally, I have my hourly rate that determines my "worth". However, I do not get to bill those hours 24/7/365. Even playing along with your premise, if I'm playing weekend electrician, I'm not a master electrician making the same rates as my other job so a 1:1 correlation is just a lame argument.