If your watch is the one with alot of complication i would say the $ in the bank are meant for full service when time comes
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How true.. I was saying earlier about the cost of servicing a humble Rolex 16233 TT Datejust at the RSC recently. Total cost of service, including replacement of the dial and hands (which are spotted and slightly oxidised), sapphire crystal (some minor chippings at the edges), the caseback (showed some signs of corrosion - which if not replaced, RSC will not do a water-proofing test on the watch, and hence not warranted against water-proofing), and replacing the main oscillating weight (that showed signs of wear and tear, and hence might not keep accurate time under COSC stds, and no warranty for that) comes to about RM4,800..
The sweetener is that after the service, the watch carries a 2 year warranty, and the I got 2 stacks of "collectible" Rolex Angpow packets
. This watch is probably a Tier-3, or at best low-end Tier-2 item. Imagine how much it would cost to do the same services for a PP, AP, JLC or a Lange!