I have done pad changes in the past but only on old muscle car drum brakes. Never tried discs. But it turns out to be stupid simple. You do need to rent a tool to compress the brake but as long as you buy the pads from the same part store they don't charge you at all for the rental.
As you can see below the pad was worn clear down to the clip. The change was super easy. Taking it to the dealer would have been a huge waste of money so glad I did it myself.