It doesn't take much "wherewithall" to be reasonably accessible. If you don't use Flash or embed links in images without tagging them, you are reasonably compliant. Tagging images simply consists of adding a bit of HTML code. That costs nothing but a little of your time.

For a personal site, making your web site more accessible is a courtesy. For a business, it is a commercial benefit (increases your potential customer base) and may be a legal requirement. For a public (government) site, it is a moral requirement.