Getting to headset bearings takes all of what, 2-3 minutes once the bike is in the stand?I rarely wear out bb's or headsets either but it's nice to pull them apart once or twice a year
Remove a bolt, loosen 2, pull the stem, whack the steerer tube. Blow it out and reassemble.
Figure maybe a15 minute job if you stop for a couple sips off your beer, and zero special tools needed?
Bottom brackets are more involved of course but still not rocket science by any means.