A cable under tension is not a weekend project, full stop, and that holds regardless of what the door is worth. The failure mode is the same on a $250,000-income household's door as anywhere else: the cable lets go, the spring is still loaded, and whatever's near the bottom bracket takes the hit. If you're looking at a frayed cable and thinking about swapping it yourself, the honest answer is don't, not because the part is expensive but because winding it back onto a loaded drum without the right bar and clamp setup is how hands get hurt. Where DIY is fine: tightening a loose bracket, lubricating a track, checking that the door balances by hand with the opener disconnected. Where it isn't: anything touching the cable, the drum, or the spring it's wound against. That line doesn't move because of the neighborhood.