DIY roadside makes sense for: flat tire change with full-size spare, jump-start with a quality jump pack and clean cables, key fob battery replacement, fuel delivery in your own gas can (if you can walk to a station safely).
Don't DIY: lockouts (damage risk), winch-outs (equipment and rigging requirements), battery replacement (heavy, terminals matter, AGM/flooded compatibility), tire change with locked lugs or in dangerous shoulder positions.
DIY cost: jump pack ($60–$150), proper jack and lug wrench (some vehicles' factory jacks are inadequate), spare tire (if you don't have one), basic toolkit.
Professional cost: $100 flat for the same work, done by someone with experience.
The breakeven for DIY equipment is about 3–5 incidents. Most drivers don't reach that.