Asking a bunch of lawn wackos whether you should hire somebody to take care of your lawn is probably not going to get a lot of endorsements for the lawn service. I used a lawn service for the first year I owned my house and my thinking was much along the same lines as yours. I'd get a professional service to get rid of the weeds and get my grass healthy and after that, I'd be able to do it on my own. I think they said that they used a specific set of chemicals that they sprayed that was tailored to my lawn and its needs, but the truck that they brought around had a big tank on it and they used the same tank on every lawn. When they would come by, they'd leave a notice on the door with recommendations for how often to cut, water, etc based on the conditions they noted in my lawn. But it was the same every time, regardless of the temperature, rainfall, etc. To top it off, the weed situation was no better than before and may have even gotten worse. I also wasn't really comfortable with the little flags they'd put out telling me to keep children and pets off the lawn for a minimum of X days because of the treatments. So I took matters into my own hands. I read things from the extension offices and started doing things that are pretty close to what gets recommended around here. Things started improving. Then I found various lawncare forums and things got even better. One humorous (or maddening?) thing happened a few years after I stopped using the lawn care service. A sprinkler head broke and a section of the lawn went dormant because it wasn't getting any water (the only water lawns get here is from sprinklers). One of the lawncare services pulled up and told me that I had a serious grub problem and needed to treat it right away. They went out to the area that was dormant and started pulling up sections of grass and telling me that it was due to grubs. I knew it was because of lack of water and suggested that as the cause, and they started launching into an explanation of why they knew that wasn't it. I then turned on the sprinkler in that section and showed them that it wasn't working, but they still tried to tell me it was grubs. Anyway, the main things you want to do are the following: Water deeply and infrequently. Apply an inch of water a week, but only water once a week if you can (in the desert, I often have to water twice a week, or once every 5 days, anyway). Adjust the amount (or the frequency) you water for any rainfall. This has a couple of benefits. First, it promotes deep roots, so the grass can better deal with periods of drought. I call grass a lazy plant, because it will only put down roots as deeply as it needs to for the water it gets. If the top inch of soil is always wet, the grass will have roots that are only an inch deep. Second, letting the ground dry between waterings will discourage weed seeds from germinating, because they need moisture to germinate. Mulch mow and mow at the highest setting of your mower and never cut more than 1/3 of the blade at one time. Mulch mowing returns water and nutrients to the soil and improves the health of the soil. It doesn't contribute to thatch and can actually contribute to getting rid of it. Mowing at the highest setting helps to make the grass stronger because it gives more surface area for photosynthesis. It also helps shade the surface so the roots are better able to deal with heat and drought. Also, it helps keep weeds from thriving because the weeds need sunlight. Fertilize once in the spring and twice in the fall. If you're using weed killers, don't use the weed and feed products (another reason I don't like the services--the one size fits all means they fertilize and kill weeds at the same time). Instead, spot spray weeds that you see sprout up. As for the lime, did they do a soil test? If not, there's no way to know whether lime is needed. Some areas tend to have low pH soils, but you don't know what the prior owner did. The prior owner may have applied lime regularly and heavily and raised the pH too high. If so, I wouldn't do anything to lower the pH because that will happen anyway, but you need to know if it needs lime before adding it. I guess my comment on the grubs is similar. Do you have grubs? If not, the grub treatment makes a lot more sense for the lawn service than it does for you.

Any chance of deciding that the clover is something desirable? I bought some clover for my lawn (in my case, it was strawberry clover, which looks a lot like white clover but does better in my alkaline soil). Clover adds nitrogen from the atmosphere and is drought tolerant. If you really want to kill it, something that will kill all the plants will probably work, but there are probably seeds already, so you may want to kill it, then water daily for a week or so to get the existing seeds to sprout, then kill again. I would not turn the soil over or bring in new soil. There's no way to know what weeds are under the surface or in the soli you might buy.

Many irises and daylilys thrive in ditch conditions. Cattails would be on my list as well. Hostas and clematis love moisture, although not constantly wet feet. Up here, enlish ivy will grow everywhere, and is considered invasive, so you probably don't want that. I know that there are others, but since I have mostly dry soil, I don't pay attention too much to plants requiring lots of moisture. Cutting the bank could be done with a weed wacker or even a hand tool, depending on size of the ditch. Goats work well from what I've heard.

Don't do anything. The best thing to do is to avoid walking on the young grass (to pull them) and to NOT apply herbicide. Let the grass grow and don't panic when the weeds start moving in. Those weeds might die off this winter anyway, so don't jeopardize your hard work. If they are still bothering you after you've mowed a few times, pluck them out then. But give your seedlings a chance to develop first and they will surprise you. That at fescue is going to really thicken up if you treat it right. Shouldn't be much room for weeds.