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If you can change your oil you can do it yourself.
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This.
$5100? - tell me they use lube.
I have a heating element out on mine, electric. I could replace the element, but it's 10+ years old. I've replaced them before, gas and electric, and I'll be doing it again.
Gone are the days where you solder/sweat in the fittings. It's all flex hose and threaded fittings with washers. My old house was sweated copper, but a propane torch and a pair of channel locks, that came out. Sweated on threaded fittings, made sure it didn't drip and that was that. It's not exactly rocket science, but people are funny about that kind of stuff, and wanting a licensed plumber to do it. If you see any amount of construction, you'll roll your eyes over what you'll see licensed professionals do. And you'll see all kinds of weird specs for what people think you must have for a pop-off/pressure relief valve.
The biggest bitch is wrestling a big tank in and out of a tight space. I was having back trouble one time, my wife suggested calling over a neighbor to help. Dave was 6'6" tall, former marine, and a few years younger than me. He just bear hugged it and set it in place.