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Actually for a complete build they have to face the headtube and bottom bracket so the bearings sit flush, and it takes some experience to get bearing preloads correct. If you are handy you can assemble it mostly with common tools (mostly a variety of allen wrenches), but some specific tools are required (BB/HT facing, crank extractor, chain tool, shock pump, etc).
I personally only have the bike shop do one thing - true the rims. It's a PITA to do properly.
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