Then yes, you pay the maintenance overhead for doing so. I do it too, since I want to mess with these things and run things I can't easily run on shared hosting and if I'm taking care of a server and HTTPS for it anyways adding another site isn't much effort, but for just a static site it's overkill most of the time and kind of "your own fault" if you make it harder on you than it is.

That said, using certbot made it so painless I just started doing it at some point for everything I run and I only once had a small hiccup configuring a renewal-hook.