70-30 in favour of LBS I’d say. I don’t actuall enjoy fettling at all. On the rare occasions that an attempted fettle succeeds, it’s a great feeling – but if you’re not mechanically minded and don’t have all the gear, it can be quite a hit and miss affair.
I can bodge stuff but it’s bodged, and it takes me ages. I can spend a day off fannying about with my bike trying to fix it, or I can spend a day off riding it, having had it in at my LBS getting fixed through the week.
My current LBS is very reasonable price-wise compared to others I’ve used in the past and their work is generally of a far higher standard than mine’s would be.
There have been quite a few occasions where I’ve started a fettle myself, made a complete James Blunt of it, and had to hand it over to the LBS to do it properly and finish it off, thus costing myself both the time involved and the money.