I have shipped instruments, but that is because there a specific person I want working on it. Yes, any decent luthier can refret a banjo. I bet you have a suitable luthier closer than you think.
Ray, I think you have a ways to go before you need to worry about a refret. If you have a micrometer, measure the height of an unworn spot and compare it to a worn spot. Most people don’t have them replaced until there is significant wear (I’ve gone down to just under 50% before). In the mean time, you mentioned willingness to learn to level and dress. That is pretty straightforward and doesn’t require significant tools. In fact it can be done with simple files, but I would recommend a crowning file and if your fretboard is radiused, I’d recommend a radius block to match. If your fretboard is flat, a plain old file or flat sanding block will allow you to level. You may have more work to do the first time, but once you get it back to level, periodic touch ups will keep it in top notch shape. When the frets are getting close to too low for your preferences, then I’d worry about refretting,
Just my two cents…