One car goes to a specialist that was £60+VAT for ages but this year has gone up to £70+VAT. Wife’s new car will go to VW for routine servicing to keep the history up to date but for just the servicing it’s not too expensive.
Beyond that, any small-medium jobs, and everything on the other cars I’ll do myself. For big jobs I have to bite the bullet and send it to the garage, e.g. the van went for a new clutch a couple of years ago. It was just too big a job for me to do on my own.
Doing stuff yourself makes a big difference. OP almost certainly could have done the brakes himself, and a rad is probably not too difficult either.
Edit – in Berkshire, FWIW.