There are books out there on bike mechanics, how to wrench, repair and adjust. I would suggest reading one if you think you might want to 'roll your own'. At least, it would come in handy to have for minor adjustments and part swaps (replaing worn cassette, for example). I find that I like to wrench my own bikes, it's (usually) relaxing and actually fun. So if you read a bit you can get an idea of what it's about and can use the information to put together a toolkit if you decide to at least do basic maintenance. Trust me, having the right tools makes things so much easier, and it's great to be able to replace cables and adjust the derailleur and brakes.
Tzvia- rollin' slow...
Specialized Ruby Expert/mens Bontrager Inform RXL
Specialized SWorks Safire/mens Bontrager Inform RL
Giant Anthem-W XT-XTR/mens Bontrager Inform RXL
Fuji Newest 3 commuter/mens Bontrager Inform RL
Novara E.T.A commuter/mens Bontrager Inform RL