I am personally partial to mechanical cameras and I have kind of assumed that the primary reason to have any of them serviced would be to ensure the shutters continue to work properly. I know that other things can go wrong but these problems usually arise in coordination with high shutter use. At least that has been my theory.
With that in mind I purchased a shutter speed tester a few years back. I test the shutter speeds on my primary cameras (definitely not all of them) about once per year so I am building a record of their shutter speeds over time. If the shutter speeds begin to vary by more than 15 percent I consult with a service tech that I know I can trust.
I also track how many rolls of film I have fed through each camera so I have a rough idea of how many shutter actuations the camera has. The one Leica I sent in for service was approaching 50,000 actuations (a tad over 1,000 rolls of film) so I kind of assumed that it was time for a tuneup. I have a second Leica that will be approaching that number in the next couple of years if I continue to shoot film at this rate. There are some of my cameras that get a lot of use. My Leica cameras are definitely not shelf queens but they seem to hold up pretty well to heavy use and the dusty environment they are forced to work in. For this reason I don't mind begrudge their high prices nor do I mind having them serviced regularly. There aren't many mechanical 35mm cameras available new anymore and none that are being built to this level of quality. Perhaps the Nikon F6 is close, but it is definitely not mechanical.
However, I own a very large number of cameras that are used infrequently (two or three times per year) and I typically don't have these serviced in any way until they actually break. Even then the decision to go for service is often dependent on the cost that will be incurred.
My most reliable cameras have been my Leicas which get very heavy use), my Pentax LX, my Pentax K1000 (30+ years), my Zeiss Contax III (my first rangefinder), and my Rolleiflex and Zeiss Ikoflex II (both of which have both been real workhorses.) I suspect the Rolleiflex will need some attention with the next couple of years since I am approaching 800 rolls of film in that camera this year. I love my Zeiss Ikons as well but one of them needs to have the rangefinder recalibrated. I haven't sent it for repair yet but I believe Zeiss is still servicing them. The second is still running strong so it hasn't been terribly important to get the first repaired.
One of the cameras I have been quite surprised with is my Pentacon Six. If you believed everything you read on the interwebs the Pentacon is a disaster, but that certainly has not been my experience. I really do believe it was intended for professional use by its' manufacturer. With the exception of an occasional film transport issue, usually caused by not keeping the film tight enough when loading, it has worked steadily and very reliably for over 5 years since I had it serviced. I do not use nearly as much medium format film as I do 35mm so I expect this camera. like my Leicas, will probably run longer than I will.
Another couple cameras that I haven't mentioned, but really should are my Pentax 645Nii and my Pentax 645. I have regularly used both of these cameras for over ten years and neither of them has had one single problem in all that time. The shutters have stayed amazingly accurate over the last 5 years (since I started measuring) and though they both need 6 AA batteries every time I change them, I do not begrudge that need. I really don't use them as much as I did in the past because I have become partial to the square format over time but they are true diamonds for anyone who is interested in the 6x4.5 format. Though they have not needed service I suspect that, much like my LX, the electronics in these cameras will not be serviceable in a few more years, if that hasn't happened already.