You clearly have some reading comprehension problems.My comment may seem snobbish to you, but your original response seemed insulting to me. You followed it up with an even more ridiculous and immature response. "Where do I draw the line?" I can help you answer those questions but I am assuming you have some basic human reasoning capabilities. I am glad you are saving money to put your kids to college, but I have no interest in knowing what zipcode your house is in. The fact is we both perceive value differently. I may not be as mechanically inclined as you or most ppl in this forum. I also prefer to spend time do other things that have a higher opp cost to me.
My first line was : if you don't have time and NEED a loaner, there's no other option.
No need to get butt hurt over this. There're many reasons why people pay for service. I use to as well when I lived in an apartment. I still do, on work that requires a lift, ecu tinkering, or special tools. All I was doing was breaking down the dealer profit part of the equation for some who wants to put a dollar value on their time. I do this calc every time I decide if I'm going to DIY or take it to a shop
As ARD said, by using class or ability to pay as an argument to support a decision is plain stupid and will get similar responses from DIYers 10/10 times. Good day and good grief.