Not necessarily, you can buy now some spare parts and do the repairs yourself.
I have feedback from people who crashed their drone and sent it to dji for repair, they were sometimes surprised that the costs were not so excessive (and without the fly care refresh which in my opinion not worth it), in fact depending on the damage, dji often proceeds to a standard exchange of your drone and send you a reconditioned or new one. In my opinion it costs a lot if you lose the drone completely or if you explode it seriously (but it's the same with any drone, even more if you had a gopro). But for small repairs (arms, engine...) it's quite affordable.
It's a drone that seems a bit fragile and more high tech, so you tend to take less risks than with another one, moreover you have many assistances (failsafe RTH, pause flying, gps, strong signal and good range) so if you don't do crazy stuff or dog freestyle normally you don't crash it or maybe less than a classic one.
