I haven't had to do too much, so I can do very basic maintenance on my own with a manual and some borrowed muscle if needed and lots and lots of time since it takes me a while to figure it out. Mostly just oil changes, clean/lube chain, basic mods likes lights, fenders etc. I'm sure as I have the SV longer, more will need to be done to it, such as suspension etc, but I am sure I can get friends to help. I just have a basic tool/socket set from walmart but will purchase tools as needed.
When I was going to put on my frame sliders, my friend offered to help. So he came over and he realized that I don't have the tools for it. He gave me the tools that he had and I couldn't loosen the bolts
I haven't needed to bring my bike yet into a shop.