Blue,
A lot depends upon your own capabilities. If you are ambitious enough to get some library books and study, then you can learn to do fairly routine maintenance on your own. It also helps to have a mentor who can guide you through the learning process. You'll need to take a test and get licensed to purchase refrigerants and work on AC systems.
The fundemental items that you would need to get started maintaining you system would include:
1) basic homeowner's tool set (you should have this already), including safety glasses and leather gloves.
2) Gauge set for R-22 ($50-$100).
3) Tank of R-22 ($71.20 for 30 pounds of R-22 in my area 2 weeks ago).
4) A decent multimeter, clamp-on style preferred ($25-$50 is adequate).
5) Pocket thermometer ($4 or so).
6) Fin straightening tool ($5 or so).
7) A few expendables such as coil cleaner.
This is most of what you'd need to do very fundemental maintenance and analysis of your system. I'm assuming that you've got a very minor system leak if you have been able to coast 3 or 4 years before you notice that you need the system "topped off." If you decide to locate and fix that leak or if the leak becomes more significant, then you'll need to move beyond the fundamental learning and tools that I mentioned above.
For example, you'll need a vacuum pump if you work on a system whose pressures have dropped low enough that it sucks in air through a leak while the compressor is running. The pump is cheap and easy to construct from a few brass fittings and a compressor pulled from an old fridge or dehumidifier. You'll also need an old, empty refrigerant tank for freon recovery.
And obviously you are going to still potentially need an HVAC pro in once in a while for issues which you can't handle. This is a lot like auto repairs - how much you can do yourself depending upon how smart you are, how much you study and how much you are willing to invest in tools. And equally obvious is the fact that you'll be miserable if you don't recognize your limitations.
Good luck, Gideon
============
What bugs me is that it seems that all techs want so spend all their time selling me a new furnace/AC unit and seem uninterested in just doing the job of refilling the old one which then works fine for a few more years.
I have never concerned myself with servicing AC's other than changing filters and oiling the fan. Is it possible for a homeowner to do this refilling himself and skip the hassle of dealing with technicians.