I know I get lazy and I'll generally only check my levels when one of the 'check' lights comes on and with modern cars and regular servicing there isn't really a reason you need to check and top up your oil and coolant etc, but do you?
I do check them myself and swap them out when needed. For some reason it always seems easier to deal with myself than attempt to remember and schedule a time for someone else to do what I could and then have to pay them for it.