Zen and the Art of bike maintenance.
Seriously, a great balance system is about 100 bucks. I bought my tire irons form a auto parts house. Very heavy duty. If you don't want to scratch your rims up, cut up some plastic from old oil bottles or some other thick plastic. Works better than the thick plastic ones you buy to me.
Last time I called a shop to get a quote, 2 years ago for my DL1000 due to a lightly sprung wrist on me, I was quoted around 100 bucks to change and balance the tires if I just brought the wheels. A couple of times yourself and you have paid for the special tools you need. Between my two bikes, I change out about at least 4 sets of tires a year. Not counting some of my close friends.
Plus, you don't pay tax on mail or internet order in most states.
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Last time I had to pay a shop when having to buy and have them exchange tires on my '02 R1150GS in '02 cost me 330 bucks. Hate to think the total cost now.