Sometimes you don't have a choice and all you get is your school's or employer's email service, which can be arbitrarily crappy. Services that are crappy enough to cause problems include Gmail and Exchange, which are probably used by 90% of schools and employers. (Gmail SMTP only saves you if you can auth to Gmail SMTP; if G Suite is set up with some SSO and with app-specific passwords disabled, this can rapidly get annoying and potentially impossible.)

In which case, yes, you can set up a personal email address, but that just reduces it to the previously unsolved burden of having to set up another account just to contribute to a project.