So...I have a good bit of rust on the bottom of my 1996 Ranger XLT and since I am not the best at these things can an experience DIY'r or body person tell me if I am better repairing this myself or is it better to pay to get it done?

Mostly I am looking at time and materials cost.

 

I'd personally get it professionally repaired. If you're not good at doing body work, a rust hole like that is definitely something you don't want to practice with. there will be cutting/welding/filling/smoothing/blend painting work required.