First off, i sure hope your not getting many metal fragments in your oil. If you do, your oil filter should catch most of them. If your filter is doing its job and your still getting metal fragment, you got more serious problems than have a "professional" do it.
As for intervals, you can pretty much never change your oil too often. Its not gonna hurt to have the freshest most lubricating oil in your engine all the time. Do it every 3k miles, whether they say it can last 5k between engines or whatever. Proper oil change intervals will go extremely far in lenghtening the life of your engine. If it says 3k, do it at least that often. Make no exceptions and you shouldn't have a problem.
As for some of the "full service" lube jobs, most of that stuff you can/should do on your own anyway. a lot of times, from a dealer it will involve changing tranny fluid, coolant change/wash/refill, air filter, fuel filter. Stuff that you can easily replace on regular intervals. Aside from body and joint lube, there really isn't a whole lot that warrants going to the dealership for lube jobs.
But if you do get someone else to do it, i highly reccommend the dealership. While htey are more expensive, they DO know your car, its common problems, and how to work on it effeciently and effectively.
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Dont cry kid, It's not your fault you suck.
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