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If you strictly adhere to electrical safety rules, including assuming that a circuit is hot until proven otherwise, and have some knowledge of how an electrical circuit works, you can likely replace a light switch by yourself without too much trouble. However, it's always advisable to call a nearby electrical pro to do the job if you're unsure of any steps necessary to change a light switch. 

If you’re moving wires, installing new wires, or installing new fixtures in the space you’re insulating, then you will need to hire a licensed electrician to do that portion of the job for you. However, if you just intend on replacing old insulation or adding new insulation over existing insulation, then you don’t need to hire one. Your insulation installer will work around wiring, fixtures, outlets, and switches, even if they’re installing fiberglass batts in the voids where wires run. However, you will need an electrician if you suspect a problem with your wiring during the insulation work.

While circuit breakers are designed to be reset after tripping, there isn't a strict countdown to when they will fail. The primary danger lies in a breaker tripping multiple times in a short period without allowing the components to cool down. Theoretically, a standard breaker might handle around 50 trips caused by simple overloading. However, this number can be much lower in practice. For instance, a high-current fault could damage a breaker to the point that it needs replacement after only two resets. Repeatedly resetting a breaker that trips frequently exacerbates the underlying problem by causing the electrical components, wires, and the breaker itself to overheat. This can lead to permanent damage, cause the breaker to trip unnecessarily in the future, and increase the risk of an electrical fire. If a breaker trips every few minutes, you should leave it in the 'off' position and call a qualified electrician for an inspection.

No, it is not safe to use an outlet that sparked. A spark from an outlet could indicate a short circuit, loose or frayed wiring, or other serious damage. Continuing to use an outlet that sparks can increase the risk of electrical shock, electrical fires, and other hazards. It's important to turn off the power to the outlet at the circuit breaker if possible and avoid using the outlet until a licensed electrician has inspected and repaired it.