My husband builds bikes as a hobby, so I haven't been in a bike shop to incur labor charges in about 20 or so years. He works on all my friends bikes too. When I was pregnant years ago, I was riding up a hill and I guess I was so heavy - I broke the chain. Now, i don't know about you, but I don't carry a chain tool with me when I ride. A spoke wrench but not a chain tool. We had a newbie on the ride with us that had a bike pack that had to weigh about 50 pounds. She had every tool known to man in it. she had a chain tool and we were able to take the broken link off and put it back together and keep riding. I don't mind changing the chain, I just hate trying to get the derailleur dialed in perfectly.