I agree, transmissions and engines are expensive, and then if the person has to pay a shop to do the replacement the price goes up even more in labor fees.
I'll do the services on my Bronco 2 myself because there's nothing special about them, but I let the dealer do the services on my Toyota Tundra because everything in it is synthetic, and for $50 every 5,000 miles its not that bad of a deal really. It would cost me more to service it myself I think due to the cost of synthetic oil. Plus my dealer does a full service and vehicle inspection at the time so its kind of nice. The Bronco 2 is relatively easy to do oil/filter changes, differential fluid changes, and the tranny is manual so I don't do it quite as often as an automatic tranny, but I think before I get it out on the road doing any long drives with it I'll change the tranny fluid in it along with the differentials. I didn't do any of it initially because of all the engine troubles I was having I didn't feel like wasting anymore money on it if it wasn't going to be drive-able.
I should have the front end alignment, camber kit, and the wheel bearings done hopefully by the 18th of this month, I miss driving it.