Starting from nothing, how much time (and money) might it take an individual to learn how to be able to do these things?
The tough part is mostly the finesse in the simple things, like trying this in bakers yeast rather than lab yeast, or the genetic design.
Cost is quite high for mistakes, but LLMs are honestly quite good to help you out with the basics. You MUST at least try to read the papers though - it’s not like coding where you can mostly let it do its thing.
DIY that will depend on your level of ability. You can do this stuff in your kitchen but learning it from a textbook will be daunting for many (most?) people.