If you meant your "only" cell phone, then I would agree that it would be a bit of a hassle for the week or so you are without your phone (at least in my cases they took only a week each time). However, as with many things, it's not a bad idea to have a backup. While it may not be ideal, If you can live with a simple phone during that time, you can get some for as low as $20.

I have had a few instances where service technicians came out to my home for repairs, but the majority of the time they were done by returning the item (phones, computers, cars, etc) to a service center. I suppose with cars and computers (sometimes) you can personally deliver it to your local service center and watch them do the work personally if they allow it, but most other items usually were returned through mail. It's never been a problem for me but I do understand the inconvenience and uncertainty of entrusting your product to someone else. That being said, in my personal experience, Nokia warranty service has (at least up to this point) always repaired any issues I have had with their products.