Not defending Toyota, their model is abusive, however your comparison is not accurate/fair. The TCO is just parts/raw material costs, your time and skill are very expensive!.

For me, even if I had to pop the hood of the car I need a mechanic, that is probably a couple of hundred to start with, and add anything he says I need to buy whether I actually I need to or not, it can quickly add up.

It is like me saying why pay for managed email or website hosting, when I can run those myself for much cheaper, even if my time was not a factor, I cannot compare those costs I would have to costs for someone without the skills needed .