Looks like it's time to invest in some tire spoons, a torque wrench, and that Japanese screwdriver!
You don't need the JIS screwdriver. Ref from
@dmonkey :
https://hondatrail125.com/index.php?threads/air-filter-replacement.1162/#post-11516
Tire spoons and a torque wrench will serve you well, but you should also make targeted investments where appropriate. For example, I have a 10-60 Nm 3/8" driver torque wrench that's really fancy, and a cheaper 1/2" driver torque wrench capable of handling 88 Nm that I pretty much use for just one job. Get tire bead lubricant for the tire job too (or use windex, etc.). But every time you do a tire change you're gonna save yourself $50-$240, so investing in the tools the first time is worth it.
Also the difficult part of the task, breaking the bead, is super easy on this bike. Kneel on it if you have to, but I just use my hands most times.
I had a similar "realization" that wasn't very much a realization but more a verification. My prices are close to yours, $50 per tire, $125 for labor last time I checked (last year, and prices have gone up since then - I think they're $10 more each). I also realized it takes me at least 15 minutes to get to the store, but only ~30 minutes to actually do the tire changing part of the tire change. So like... it's a wash for time, it's definitely not more cost effective, the only thing that's good about it is that it doesn't require physical effort. For $240, I'll change my own tires, especially since they're not balancing them.
EDIT: there is a special case here - from the Tires megathread (see signature):
- If you are getting the tires mounted instead of doing it yourself, some non-CT125 riders report that "if you got the tires from Revzilla, they have an arrangement with Cycle Gear in some cities, for reduced price tire changing." The mechanic may offer a discount for certain sources.