The blade is typically pretty wrecked. The motor and gearbox should survive, and you do not need a technician to fix it. You just remove the old blade and module and install the new ones.
A hell of a lot preferable to losing digits.
It is!
However, I wonder what else might set it off. I expect it's working by sensing a change in capacitance, like those buttons on the iPod. Those also start going funny around damp. I've seen these set off with sausages, so it's not tuned to human bodies. Makes me wonder if it might go off if damp wood goes through or for similar reasons.
Damp wood and metal set it off, as do sausages. There's an override which requires you to hold a button in as you start it, which resets as soon as the motor is disengaged.