Oil change

Literally anyone I talk to adamantly tells me to never change my own oil. ‘Saving money isn’t worth ruining your car’ is something I hear often.

What the fuck is there to mess up?? There’s like 3 steps right? I feel like the main one is keep track of that rubber seal on the oil release bolt (definitely a correct technical term). Though I’ve never done it before. Can I get some advice on starting to do this on my own, and what to avoid? 2004 Ford Explorer 150,000 miles

Edit: Thank you for all the replies. I welcome more! Here are 4 things that I have learned: 1)Don't drain the transmission fluid. 2)Check for the filter gasket on the engine before fitting a new filter. 3)Don't over tighten the drain bolt. 4)Don't be a fucking moron.