auntyneddy; you are in a similar situation that I will be in a years time. When I bought mine a month ago it was serviced and has a years warranty and Honda accident recovery, but when that runs out I shall be using my local independent as I will not want to pay double or more for a service at the Honda main dealer where I got it from. I have nothing against them, they are a good company, just the higher labour costs.
The independents will do the same work (as long as you have a good reliable one like me) for a lot less. They can get all the same parts at the same price should they be needed.
Remember the 'Honda accident recovery' only covers accidents, not breakdowns, so you still need breakdown cover (we use Green Flag as that's the only cheaper one that brings back your vehicle and you home, and not like some cheaper ones that just take it to the nearest garage, be wary of some terms and conditions, read them carefully; I did a lot of research with that one). Even with a £50 MOT to pay for it should still be a lot cheaper to use an independent than a main dealer.

Having said all that, if you have a new or nearly new purchase some people may feel happier going to the main dealer if they can afford it.
Mike.