It's an interesting one this. I do 3,000 miles a year maximum. A friend of mine, who does a similar mileage, and also has a Jazz, uses a local independent to do the MOT, change the oil and filter and just check the car over. He pays about £100 for this and gets a full service every 2 years.
I think the oil change is important. I do a lot of local stuff so I guess the oil gets more contaminated than it would do with longer journeys.
I'm a bit OCD with things like this so I follow the service schedule but am I wasting money?