Well, if you mean the smaller edmunds or fci panels, most anyone can read the directions, disconnect the strobe/lights and usually get it right without driving the occupants nuts.
If you mean the bigger units, with the "addressable" heads, (which are cool, because you can now T-tap) there may come along a tech with a lap-top.
Given the latter specialty ,and because they are dealers of certain makes ,alarm companies can outbid the average sparky .So i figure our trades involvement will end up as in your first post..
It seems to me that there are also some pockets of special service, for instance, we had to call the Gamewell guy up from Boston .
Boocoo $$$, paid both ways, lunch and some serious strokin' from the locals...makes you wonder if you had to do it over again..