It takes like half an hour to do, if that. Take the wheel off. Then, take the Caliper off using, I think, a 12 or 13mm socket. There are two bolts. There are two much bigger bolts that hold the caliper bracket on, there's no need to mess with those. Once you get the caliper off, take the pads out. They just fall out. Make sure the caliper doesn't hang by the brake hose!
Get a big ol' C-clamp. Use your old pad and put it against the piston in the caliper. You'll want to make sure the lid is off your master cylinder, and make sure you suck some fluid out if there's a lot in there. Then, compress the piston back into the caliper with the c-clamp and pad. Then, put the two new pads in, making sure they're correctly oriented (it's hard not to) and put the caliper back on. Put the two bolts back on the caliper, put the wheel on, and there you go.
You should bleed the brakes once you're done, but it's not a requirement. I can't imagine a shop charging more than $70 or so for both sides. And even that's a lot.
