Ken: I am destined to be poor for life. So saving money is always important. Not to dog any shops or mechs out there but I have seen/been shafted/gouged enough times that I developed a habit over the years. Paying good money for parts that where never changed and bolts not being tight after a repair just kills me... I compare the price of that "special tool" to the price a shop would charge and the difficulty of the repair. Usually the tool/repair manual and parts are much cheaper. And my labor rate is free. The tool can usually be used on several applications. Use a tool more than once? Really makes it valuable. This is how I collect my tools. And the education is free that I learn along the way. The advent of the internet has made picking up tricks and tips easier than ever. I could bore you for ever on my experiences and an automatic transmission for example is usually something I would leave to an expert.
Having said that here are two recent examples: Wifes 1989 chevy cosica auto trans began to stall at stop light. Traced problem to the valve that locks and unlocks the lock-up torque convertor at 40 mph. Since it would not unlock, the car would stall at a stop sign. Any shop wanted over $500 to fix it. On the web I discovered the part costs $20. Side cover comes off trans. One bolt holds in valve. Remove and reinstall valve and hook up two wires. It took an hour and I took my time. :smile I felt like superman
Toyota truck owners with 5speed manual listen up. My 1984 truck with 185,000 began to pop out of third gear. And a bit of a grind when shifting into third. (common problem) I was sure the shift forks where wore out and the synchroniser was shot. A quick scan on the internet and I learned a common problem. Remove the shifter, change the nylon ball on the end and most important, replace the disentigrated rubber "CUP" shaped seal under neath the shifter. Toyota dealer stocked the parts, no special tools, easy fix at about an hour. A rebuilt trans? $2000. This fix? $17.50. Shifts like a new truck. I can't help but wonder how many shops would say a rebuild is what I needed when they new of a cheap quick fix...
I guess my point in all this ramble is if you have the slightest curiosty as to what goes on inside that motor or anything else. Get a manual and study it. Librarys are a good place to look for free! Take your time, get the tool if needed and a friend with a cold one always helps. Auto Zone has lots of "special tools" you can borrow for free. If you think your over your head and don't feel comfortable go with a shop. But by educating yourself this way you can smell when a shop if BSing you. Just in talking with them they can detect that you are more informed and won't even try the dishonest route with parts you didn't need...
Just to keep this on boat topic. Just Saturday I go to get two sets of extra trailer bearings. I haven't had any trouble, but the best insurance is to carry extra sets in the glove box. I went straight to the most reputable parts place (CarQuest) in town in search of USA made bearings.
I take in the old bearings the seal and the hub. The guy breaks out a special tool. (Dial caliper) to measure the stuff. And he assures me of USA made bearings. I walk out with two small outer bearings, two large inner bearings and three seals. One seal to put all old bearings back together and two spare sets for the glove box.
When I got home I almost tossed the bearing sets in a zip-lock bag in the glove box for when needed, if ever. On a whim I broke out my dial caliper JUST to double check. I found bearings made in "ROMANIA". I found the two large bearings were 1/4 inch too large. And one of the three seals weren't even close. Imagine being on the side of some busy highway, in the dark two years from now trying to change this stuff. The one finger salute icon would explain my displeasure. (Can we get one???) My biggest fear is having to leave the CD on the side of the road unattended with trailer issues. The new generation thiefs roll up. Cut the cables with bolt cutters. Pull out a rechargable SawZall. (A demolition saw that cuts thru about anything) And they don't unbolt your outboard. They just cut the back of the boat off around the outboard. In about two minutes they are loaded up and gone. You end up with a ruined hull and a stolen outboard.
Well off to the parts place... :amgry