When people talk about the clamshell, it's synonymous for the body as a whole; but yes, the front and rear body components are the "clams". And those are the biggest panels.
I've owned a Porsche. They are far more expensive to fix than an Elise/Exige... it's not even comparable.
If the OP thinks the 911 is not a complicated car, he/she should do more research. They are among the most complicated cars on the road -- largely due to the rear engine configuration and what Porsche had to do to make the car safe when driving at the limit.
An "indie shop" still has to buy parts from Porsche, and will still charge you >$100/hr. in labor. Less than a dealer, but still more than a "normal" car. Here's an example: oil change on a Boxster is $500 at the dealer and $250 at an indie shop. For a 911 it will cost more.
Oil change on a Lotus is easy to DIY... Yeah, I guess you could DIY a Porsche oil change, but it's not as easy. And a Toyota engine is VASTLY, I repeat, VASTLY more reliable than anything from Germany... than anything else, period.
2009 Elise SC