The real question isn't the price
It's not "shop or not", it's do I know what I'm doing, and do I have the tool. A botched repair costs more than the shop: a scratched brake disc, a stripped bolt, a cable that snaps on a descent.
The decision table
| Repair | Difficulty | Verdict |
|---|---|---|
| Inflate, adjust saddle height | Easy | Do it yourself, always |
| Adjust gears | Easy | Do it yourself, see derailleur adjustment |
| Change brake pads / cables | Medium | Do it yourself if you have the tools |
| Fix a puncture | Easy | Do it yourself, see roadside puncture repair |
| Bleed hydraulic brakes | Difficult | Shop, unless equipped |
| Bearings, badly buckled wheel | Difficult | Shop |
| E-bike electrical diagnosis | Difficult | Shop (manufacturer tool) |




