I took the light out myself. The pool company wanted $400 for the bulb, which I would then have to install myself. I bought a bulb on Amazon. Need to replace the gasket too.
My light is about 4' under water. There is a single screw at the top holding the fixture in the housing, but at the bottom of the fixture faceplate there is a tab that needs to be slipped into place. The tricky part is staying underwater long enough to get the screw in far enough that the fixture won't float up. The electrical cord, which is long enough to get the fixture out of the water, tends to want to uncoil.
I used a 20 pound dumbell on my lap to keep me underwater long enough and it took multiple times going down to get it assembled. It only takes one trip down to take the fixture out. I would guess that most Villagers would not be able to do this. However, it's a 15 minute job for a handyman. The pool companies would probably use a scuba tank.
My bulbs are 12V so no danger of shock.
I know this doesn't really answer your question but it gives you an idea of what's involved.
https://www.amazon.com/gp/product/B0...?ie=UTF8&psc=1
Amazon.com