For me, I prefer hosted/cloud, preferably managed.

I’m quite capable of setting up whole server stacks. I did it for years, but I stopped, some time ago, and consider myself to be, for want of a better word, incompetent at being a modern admin.

I think I’d screw the pooch, so I prefer that someone who does it every day, handle it.

But I write Swift code, every day, so I’m not incompetent at everything.