Hmmm. I don't think I can give advice on repair contracts. I normally fix my own stuff and avoid them. Repair contracts will most likely pay none of the troubleshooting costs. Keep that in mind. Sorry I couldn't help on repair contract.
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Yeah, of course you do your own repairs (brilliant)! My dad ran a body shop in our back yard, restoring classics and doing collision repairs. He made the 12-17 year-old me sand and help in the shop, saying “Someday, you might need this to fall back on!” He was exactly right: Those who worked for him and made body-work a career are financially well off today 🙃