I always go DIY. Since the internet took of back in the 90s I have never used a travel agent and think that it is actually fun to research the trip (airfares, lodgings, sightseeing, food, etc...) and then see how things turn out. Especially when staying at B&Bs and going off the beaten path, I think doing it yourself is more work, but more fun.
My two yen,
PS Asking for help here at P.com or at another watch forum like TZ seems to elicit some great advice, too. When I ever get a chance to visit Europe, I will be sure to seek the collective wisdom of other Ristis!