I've gone primarily to one sax tech and one clarinet tech for, at this point, most of my life. Both are premium-priced, but always give me a range of options from "bare minimum to get it playing" to "full 20+ hour overhaul" and we talk through the options and land somewhere in the middle. I've never gone for a full overhaul, though someday I would like to. I've never gotten my horn back from either of them and regretted spending the money. I've since expanded to two other sax techs in my area, both of whom are very good and have a similar approach. I guess I assumed this was standard?
My feeling is that you should have a collaborative relationship with your tech and be able to be straightforward about what you are feeling as a player and trust that they will be able to work with you on addressing your issues. If you can't trust them, find someone else. I know the techs I go to really bank on having a high level of trust with their customers. They don't normally recommend major work and have often come up with clever solutions to get me rolling for not much money when I was totally broke. I trust that if they think I need a repad, they mean it. So far, they haven't.
Also, I'd get away from the idea that the value of your horn has anything to do with the cost to fix it. The cost of labor is the overwhelmingly largest part of the expense. I've spent $1000+ on sax work twice and both times I think the parts were only about $75-$100 of that. Unless you are doing shoddy work on inexpensive instruments, it takes the same amount of shop time for a cheap horn as for an expensive one, at least for comparable work. At some point, your $400 horn will need new pads. Same as a $4,000 or $14,000 horn. Cost of the horn has nothing to do with what it should cost to fix it.