Ok, here's my case to prove my point...
Recently the hood cable broke on my E36 M3. Despite all my efforts to get the hood open, I could only get the drivers side pin to release. Ok, fine, off to the indy. I have a trailer now, so I went and got the trailer, loaded the car up and dropped it off. That way my wife or friend wouldn't have to follow me there and take me home.
Went and picked the car up last night, again with the trailer. Got there and the shop charged me book time for the job, which was a rather shocking 3.8 hours. This despite the fact I'd already taken everything off for access for them and had popped one of the pins. I doubt it took them more than an hour to do the work and probably took them less than that as all they had to do was pop the passenger pin then attach the new cable to the old one and pull it through.
I'm actually a little irked about that, as they'd told me 1-2 hours initially. When he told me the book time and showed it to me, I just said to charge me what he felt was fair. So he charged me book time. Awesome.
So, I paid basically the same as the dealer but had to go get my trailer, load the car, drop it off. Go get the trailer again, go pick up the car, load it, drop it at my house, then drop the trailer off again.
All to pay basically the same as the dealer, who would've sent me home in a nice, new BMW to use for a few days so I wouldn't have had to do the trailer dance.
Granted YMMV depending on where you live in the country as per labor rates, whether your indy charges "real" time vs book time and how competent your dealers are. Around me the dealers are good, the indy's charge almost the same labor rate and everyone charges book time.