My own experience
After the chain was replaced in my Trance E+, I discovered I could not ride in the 11th and 12th gear because the chain was slipping on the cogs (or I felt so). That used to only happen during the ride, not when I tried to test the bike at the workstand. When I rode up to my brother, he took a test ride himself, then said:
-- Bad. There is a wobble in the cassette. It looks your LBS hadn't tightened the cassette properly at the last servicing.
-- Can you fix it?
-- No. I miss proper tools to do that.
But my brother is a die-hard, a real badass. He cannot sleep if sometimes doesn't work. Jacek scratched his head and produced an expensive toolbox marketed by Shimano he bought some time ago. He removed the rear wheel, tried the cassette wrench...
-- What a surprise! -- he exclaimed -- Shimano still use their cassette wrench even for 12-speed cassettes! I can do it!
He started with removing the cassette and disassembling it.
He disassembled the cassette...
Then he cleaned the cassette using white spirit...
Finally he re-assembled the cassette and re-tightened it.
During the next test on the bike, we could hear an unpleasant click from the wheel at times. Jacek growled, removed the wheel, then the cassette, the rotor, the hub nuts and inspected the bearings. It turned out the rotor-side bearing was dirty. My brother inspected, cleaned, and greased the bearings. Then it turned out the hub nut made it impossible to use the the Shimano hub-wrench.
-- We're going to improvise! -- Jacek laughed. He found a prehistoric 17 mm bike wrench, ground it a little to loosen the tolerance, took an adjustable wrench (one used by plumbers and car mechanics) in his other hand and was able to re-tighten the hub. Then he degreased the rotor and put everything back in place.
The bike was as new.
Now, having a private bike mechanic Jacek, it will be possible to just replace the smallest cassette cogs (should it be necessary) instead of replacing the whole expensive cassette (that is what an LBS mechanic would do as it's not his money...)