That's what I do as well. In addition, all my emails are backed up in my local email client (which I back up locally to another location once in a few days) so if things go south I have a way to restore my accounts.

Agreed. And Migadu has quite cheap plans and very good service during the two years that I use them. Not affiliated, just a happy customer.

Zoho has a free plan that I've been happy with although its only been a month since I moved to them from gmail.

Yeah I found them a few months ago when looking for providers, and it's insane how cheap they are. $1/mo gets you a custom domain email, and a bunch of online office/productivity apps.

Only issue I see is that their mobile apps seem to be a joke when it comes to privacy. I wouldn't trust them not to read/scan my emails either, but that's not always a deal breaker.

I concur, I am using Zoho for years now.