It's not about paying over the odds, it's all about how far out of adjustment it is and whether you want a very personal service. If it's a simple set-up then why not learn to do it yourself and save your money. It's not difficult. I now set all of mine up now however if there is a difficult problem then I take it to Joe.
For example when I bought a brand new Bongo 5 from the USA it arrived with a banana shaped neck and uneven frets. There was no way I could do anything with it so I took it to Joe. He put it in his jig and started completely from scratch and did a total set-up which included leveling the frets, truss-rod, neck, string height and finally a personal adjustment having analysed my playing style, all included in the standard set-up price. It was magic to play and still was when I sold it on to another Forum member.