OK those pictures are pretty horrific, but are not indicitave of every DIY electrical upgrade that has ever been done. I completely rewired our old house from the weatherhead (wires that touch the house from the street) through the meter to the main panel and on to every switch, receptical and outlet in the house. My electrical upgrade was inspected by the city, looked cleaner than 1/3 of the "professional" installs I have seen and did not have any issues. (on the initial inspection I was told that I ran redundent grounds from the meter and the main panel, but the inspector passed me before I had pulled out the redundant ground).
As long as you are careful, do your proper research and take your time and be carful this is not wizzardry. Make sure you are using the proper guage wire for the length of the run and the breaker it is tying into. Do not splice wires for your runs unless it is done correctly and the splice is enclosed in a junction box that is accessible after the work is done.
Get a copy of your local building/electrical code and if you have any questions, find a reputable electrical/wiring forum (not HBT) or call the city inspectors to ask questions.
As many others have stated, unless your main breaker is outside of your panel there are still hot wires in the panel so be careful. Get a good electrical meter and test everything before you touch it. Test with the meter with the power on, to validate you are getting good readings, then turn it off and validate there is no current.
If you are still in doubt, hire a professional, but again this is not wizardry. Common sense, good research and planning go a long way.
If you want to be 100% sure, call your power company and ask them to pull the meter can before you start your work. If your meter is seperate from your panel, this ensures there is no live voltage running through your house's wiring. Likely the power company will require an inspection of any work performed before they attach the meter, but this is not a bad thing, just be sure to plan for it.