It all depends on how and why you are traveling.
If you are simply traveling from point A to point B, spending your holiday/vacation/ weekend get away, in 1 place, and you know where and how you will be lodging. A DIY can be done rather easily.
If you are planning on a more robust trip; multiple flights, multiple lodgings, layovers, etc. then I strongly recommend using a travel agency to assist with your travel plans.
If your planning an overseas trip, (especially with weapon(s)), traveling through different countries. I would definitely want a travel agency to assist in travel plans. I would also want agencies like (example: Henry Rifle Premits (RSA) to assist with preapproval of weapons permits (SAPS 520) and (example: Global Rescue) for travel, medical, trip, evacuation, etc. insurance.
Regardless of how or why everyone plans their trip, whether it's a last minute romantic get away weekend or a well planned family trip around the world:
Always!, Always!, Always!, Spend the extra money needed for trip insurance and Make Sure Your Existing health insurance or if needed purchase temporary extended healthcare insurance, and Especially when traveling into Remote Areas the Evacuation Insurance. And Only Purchases These Services From Reputable Companies.
I have several friends who have lost lots (1000.00 of dollar's) of money, for various reasons, their trips were canceled, delayed, changed or interrupted and they didn't have the entire cost of their trip fully covered.
Airline Tickets are by far the greatest cost loss on trips!
Airlines Companies sell tickets that are No Longer Refundable, Transferable, or Exchangeable. A person misses their flight, a flight transfer, or any other reason doesnt make their flight, (Not Caused by the airline), Tough Sh't!!. Airline keeps your previously purchase ticket money and is more than willing to sell you another ticket on another flight to your (same) destination.
Hotel/Lodging establishments generally retain minimum 20%+ (of course charging 100% to the next customer for Your Room) should you cancel (or No Show) your hotel/lodging accommodations within a specific time period. [OUTFITTERS ARE A DIFFERENT SUBJECT!!! REPUTABLE OUTFITTERS WORK WITH THEIR PERSPECTIVE CLIENTS!!!!]
Just my 2 cents.