You really need to get the majority of the stump and roots out. If you don't they will eventually rot out and you will get subsidence under your patio and it will slowly sink in to the void left by the roots. It's going to be a question of hard graft I'm afraid if you want a long-standing solution. No pun intended
I am very much an amateur but I have now removed several stumps from dead apple trees in our garden. It doesn't actually take that long, but can be hard work.
Equipment:
Spade
Trowel
4 foot pry bar
Pruning saw or similar
Dig around the stump, giving yourself a good space to work in. Use the trowel to get in between the roots and clear the soil, then cut each one. Work you way through, cutting any you can get to. Then rock the stump and use the pry bar to get in underneath to cut the last few.
It is a lot easier to cut the roots out than trying to rock or pull, even with quite small ones left.
If there are bits which are difficult to get the saw to you can jab with the sharp end of the pry bar to split the root apart.
Any big roots might be worth chasing for a bit so you don't get subsidence.
Bringing it back to removing stumps without trying to flog anything: I did it a few weeks ago for the first time.
It took me about five hours and I used nothing but a crowbar.
Found a root. Chopped it off. Dug further and around and around chopping each root as I found them and then finally saw movement in the stump.
Used the crowbar to rock it until I could do the rocking with my hands. Then all the strength I had left to twist, rock, pull, push, yank the b*gger out.
Very satisfying albeit knackering.
Only two more to go in the front and two out back.
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