With a few exceptions I do all my own work and it's definitely part of the overall boating experience for me.
Things I pay other peolpe to do:
Diving to clean the hull- I used to do it but this one is really worth paying someone
Rigging work- I pay a rigger for the more complicated rigging calculations and for making up stays and shrouds.
Canvas work- I've tried but only with limited success to do this myself