I get that for $24.95 at a local guy, not a big franchise. He does not do any of the other work that you mentioned , so he has no reason to try to scam anyone for a brake job or ball joints. But, as you point out, he is able to spot stuff while under the car.
I used to change my own oil but when I bought a new car in 1991, that changed. I bought the oil, bought the filter, drove the car up on ramps and could not find the filter! It was mounted off the engine on an auxiliary block that was difficult to reach fun underneath. Easier if you jacked the car and turned the wheels to one side. That was my last oil change. As I get older and less agile, I have less interest in crawling under a car. I find it easier to earn the money and pay to have it done.