Obviously this is a private server, for largely private use and apart from 1-2 services for myself and a group of close friends, it's non-critical stuff.

For companies or providing paid services it's obviously different. I still believe you can self-host at a way larger scale than most think... But then of course you have to plan your own routing, failovers, geolocations, etc. And maintenance, including preventive maintenance, not just run the hardware until it gives up the ghost...