Most people's tax is pretty simple - can do it yourself with etax if you understand basic tax rules.... only when you start getting complex stuff, own business, CGT, big deductions you need to go to an accountaint... i did it one year, they charged me 300$ and got me the same return i would of got if i did it myself.. so i just still do it myself every year...
zorb may have a HECS/HELP debt you haven't included Kris....
If you earn over 50k/y definatly worth having private health - you can either pay $500 to the government for nothing or you can pay $500 for private health and you may get something out of it - i use it for extras etc.... no reason NOT to if you earn over 50k/y.