There are number of problems with the latter course of action.
Firstly when something goes wrong and you're out on a ride it will inevitably happen in the middle of nowhere... in the rain.
You are either in for a long walk (possibly in cleats) or you had better hope your partner or best friend hears their phone and is able to drop everything to come out in their car to rescue you. https://www.pedalmoore.co.uk/bicycle-repair-blog/regular-bicycle-servicing
