[fizzwheel]

Learn how to adjust your chain, its a 5 minute job at most and you only need a few basic tools, although a torque wrench makes life alot easier.

Ask somebody local to you to show you how to do it.

As for the lube, spraying it manually is fine, a paddock stand makes this job alot easier to.

As for the Scotoiler, yes they are brilliant and if you do alot of miles then they really do save on chain wear, they are only messy if they are not adjust properly and the flow rates to high, you get a bit of fling with a scotoiler on your back wheel, but you can get this with chain lube to.