If you don't try, you'll never learn... Get out there and teach yourself or grab a buddy that can show you a few things. Almost everything I know about wrenching was learned this way.
Funny, every fall I do a tear down, inspection and rebuild of my sled. If something fails at 160+ in the trails then I'm headed for a tree or a rock, but in all my years I've never had something break that was due to my mechanic work.
Every spring, my mx bike gets torn down, inspected and rebuilt. I pound the crap out of that bike and I have never had something I did break... Nor have I messed up any of my oil changes, which I do every other weekend. That's a few hundred oil changes I've done without using a manual or a torque wrench and never any issues.
Last year I taught myself how to rivet a chain on my street bike. I looked up how to do it, took my time, and I'm still riding with that same chain.
I guess I'm on borrowed time if doing your own work is so risky.
Get out, feel like a man and get greasy... It's actually enjoyable and full filing to know "yeah, I did that".