I've learned to adjust the seat makeup on my own because I once had my eyeglasses fall below the bed while sleeping...and, well, let's just say that I'm not inclined to buzz the attendant at 4:30 in the morning for something so trivial, liability policy or not. With that said, the only case I'd make the bed up on my own is if the SCA went MIA for a long time...I've had times when I was just exhausted and I had to wait a long time for the SCA (presumably helping other passengers with their stuff), but that's the only time I've verged on doing it myself. I'm not talking ten minutes here...I'm thinking if I buzz when I get back from dinner and nothing has happened within half an hour or so.
That said, it's sometimes a bit annoying to come back to my bed being down if I'm not tired yet. Not that such happens much...I usually retire early on the train anyway (one of the many advantages of going by train...it encourages a reasonable bedtime most of the time), though on my way into Chicago in December, I was glad to be able to crash in my bed after breakfast until we got into Union Station: The late sunrise meant that I grabbed breakfast early and then went back to bed for about an hour since the sun wasn't up until well after 7:00 AM.