Nothing I dislike more than trying to be a 'responsible vehicle owner' and do the suggested maintenance just to have more problems arise than if I had just left it alone. I've had this happen to me a time or two.
I'm by no means a mechanic, but I've done stuff over the years to save a few bucks. I looked online on how to replace a waterpump/timing belt and it looked too hairy for me, so I passed. I did replace a starter on my RAV4 and it wasn't too bad, and I saved big money. I also just replaced a little motor on my door lock actuator on my RX300. Took some time, it wasn't perfect, but it works and I saved big money.
Years ago when I knew nothing about cars, I had a 1975 Monte Carlo I was trying to replace the fuel filter. I didn't use a back-up wrench, didn't realize I did some damage to the fuel line and almost burned my car up due to leaking fuel! IDIOT!!!
I've learned, gotten better, gotten more tools and the online sites like here have saved my ass.