I replaced my pan and it was straight forward, about a 4 on the 10 scale of difficulty.
The trick is, you cannot torque the pan bolts with a torque wrench (well, I could with a beam style super-light measuring inch/pounds, if I was really careful) so do it like this. After you lift the pan up into position, finger feed and tighten four corners or 1 on each side just to hold the pan up.
You have to make sure nothing fell out, that the gasket is in place, and that the pickup tube goes into the well properly. Its not all that hard if you align the pan as you push it up. Don't push hard, and you tell if something isn't right. If its right, a couple fingers pushing the bottom of the pan up will click it into place easily.
Make sure your gasket is flat, and I just put a tiny smear of oil (ever so tiny) to hold the gasket still. Make sure it is equally spaced on each side, so the holes in the gasket match up.
Now put the rest of the bolts in, finger tight only. Don't force the bolt in, if it won't go in the gasket is misaligned. Turn gingerly, make sure it bites the threads and doesn't bind at all.
Now, use one of the screw driver type socket holders, and two finger the handle on each bolt, alternating around the pan in a diagonal criss-cross pattern. When that is done, use the same driver and tighen in the same pattern, grabbing the handle with your whole hand.
Thats it. And don't even exert much on the final tightning. It doesn't take much to make a good seal.
Now run it, and if it doesn't leak, you did it right. Check after a couple hundred miles, but chances are the bolts are still tight.
Cost wise your best bet is Bike Bandit, and remember to buy the pan gasket at the same time. Probably a good idea to look at the fiche there and buy the gasket.
Living the Gypsy Life