It really depends on your dealer and what their shop rates are. Where I live the hourly rate is the same at both dealers so there isn't much difference, just the time the actual service takes. I plan to do as much of it myself as I can which is always the preferred way to go.
I looked long and hard at the Tracer and chose the BMW because the Tracer was way behind on tech, not having an IMU in particular was a deal breaker for me. That changed for the new 2021 model that's coming so given that same choice again now, I'm not really sure which I would have chosen.
Having had my 900XR for nearly a year an 7500mi, the bike has had no issues that have made me regret the purchase, I'm happy with my choice.