It's not always to "have fun with the tools"...
In my case, I doubt I will find anyone who can do it for $20 around my area (welcome to Silicon Valley), but even if they were, I'd be worried about them doing a good job. For that price, how careful are they about not overlapping the lift point with the battery (it's close)? Do they use anti-seize for the next time around? Do they use the proper lifts? Do they know how to use jack mode? Do they use a torque wrench to make sure it's not under/over-tightened? Are they careful with the rims? With the rest of the car? If I have to set up the car in cargo mode to take 4 wheels+tires, go there, wait, get it done, and come back, then put the car back to "normal", is it really saving me time vs doing it in my garage?
I find that people who "work on your stuff" (house, car, or anything really) aren't generally as careful and diligent as you are yourself. When **** happens, all you have out of the transaction is "oh sorry", or more aggravation if you decide to escalate it (and there goes your time).
It's not just the $$...