Anne, I only do my fingernails a few times a year, mostly for special occasions. If I have a job interview, I'll get them done - makes me feel more polished. But it's not worth doing any more frequently because I end up chipping them too quickly. (And no, I can't do my own - I am a complete klutz at it). I have been getting occasional manicures for decades.
As for toes, I get them done for the summer, when it's time for sandals. Unlike manicures which are easy to chip, one pedicure can last for months. I know you're not supposed to go that long... but I do!
But I only started getting pedicures just a few years ago. I don't know what took me so long, tickly feet? Once you have one, you get addicted. I don't really enjoy having my feet tickled, but I just adore having a pretty color on my toes.
Give it a try!