Hmmm...

couple thoughts...
1) Never under-estimate your abilities based on your age. Who says you have to be 30 to be able to swap out a cam in your bike (if that's something you want to do).
2) Keeping #1 in mind, don't under-estimate doing a job properly (the counter-part to #1, I know... but you're right, you do need to study and feel confident about something like that before you tackle it). Incidentally though, if you ever plan to adjust your valve clearances yourself (meaning: NOT having a dealership do it), removing and replacing the cam is actually a part of it! It's no biggie. And if you have to remove the cam to adjust your valve clearances, it's just as easy to put a different one back in!
Maybe an order you can follow, which (aside from changing the cam) will help get you some more power.
1) DO perform the airbox mod. Free. Easy. Effective. You do not have to pull the airbox to do this. You can remove the snorkel by drilling out the rivets that hold it onto the box, then carefully cut the top of the box, following the slightly raised line around the edge.
2) Definately: remove the backfire screen from the air filter frame. I think it's held on with tabs, and can be easily separated.
This will help the carb pull more air in (which you would want, since the cutting of the top of the box. These 2 changes would go hand in hand here).
3) Ditch the stock air filter. Replace it with the TwinAir, because it is back-fire resistant (which is good, noting you'd be removing the backfire screen!).
4) DO get the JD jetting kit. I don't think the leak jet needs quite as much playing with as the main jetting setup. You WILL NOT be disappointed in the results of the kit, so long as you follow his instructions to the T. You already have the quickshot A/P cover - do this piece justice by jetting your bike properly to go with it, (after your airbox changes).
5) Remove the baffle from your stock pipe. It's mounted to inside of the end-cap of your muffler, and is not necessarily easy to separate, but you will get increased "breathe" from your bike.
6) If you like this setup, you can go with an aftermarket slip-on muffler, like the White Brothers E2, or FMF, etc. I have heard many praises about the stock head-pipe giving the best performance with most of the slip-on mufflers out there, and I still use the stock head pipe myself. Only other one I'd consider is the FMF powerbomb, because it looks like they've done something different (out of the box thinking). Most after-market mufflers will give you some type of improvement over the stock. But if that's not in the budget just yet, try your altered stock muffler (above) until you can afford your new muffler. I can't guarante you'll make any friends next door (it will be LOUD), but if loud is what you want, well then you'd have it.
