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Like you I have played through many years of frustration. I seem to have all of thepartsthat iI need but couldn’t seem to put much together for more than strumming.
Many years ago I bought the Dan Earlewne Guitar Repairs Guide and slowly have accumulated every tool needed to do pretty much everything from building acoustic and electric guitars, 10 of each, and have learned to make repairs , refret jobs, tune ups upgrading tuners , refinishing, well just about everything regarding guitars. I have rebuilt and done setups for years. a good set up is easy to learn how to do and just takes a little practice.
As long your guitar has a truss rod and the neck isn’t crooked but just bowed not enough or too much you can fix that or leveling frets, making new bridge saddles and nuts you can do this your self for the same cost in guitar repair tools that you would spend on a set up.
I enjoy doing this and am always adjusting something on one of my instruments.