I'm in the camp that it doesn't require cyber surgery to repair and internal cyber deck or commlink. Why? Because the setting falls apart if you can't. Matrix damage is common enough (not saying that it's an everyday thing, but it does happen) that if you can't repair it with a simple hardware test then no one would run wireless on for their cyberware.
Anyway, it's cyberware. A device, technology, hardware. It's meant to be maintained. It's not meant to be invisible. When you're cybered up, you can see it, which means it'll have access panels and ways to make it easy to maintain it.
For something like wired reflexes, I'd assume there would be a base control unit, I'm imagining at the base of the neck, which acts as a fail safe. If your wired reflexes get bricked the panel on the back of your neck explodes and suddenly you have to use those old meat neurons to send signals to the rest of your body. But say once you're out of combat, your friendly decker or someone with hardware, can go pop open the panel and swap out whatever fuse ignited in your wired reflexes to return functionality.
Similar, a cyber deck in your head, like the Mr. Data analogy already used, is how I see cyberdecks. Not a complete cyber skull, but replacing a part of your skull with a deck. Can you pop it out and work on it with your hands...I actually think it'd be cooler to use a series of mirrors or a drone by remote to repair it, but either way, I don't think it requires going under the knife.
It doesn't make sense that they'd make cyberware impossible to maintain unless you go into the cutting board every time. The cost seem insanely expensive. Then wireless on has a double cost, not only can you lose the ware, but you have to pay through the nose and find a street doc. That's ridiculous.