I've also self hosted for decades, but it turns out i don't really need that much, at least not public.
I basically just need mail, calendar, file storage and DNS adblocking. I can get mail/calendar/file storage with pretty much any cloud provider (and no, there is no privacy when it comes to mail, there is always another participant in the conversation), and for €18/year i can get something like NextDNS, Control D, or similar.
For reference, a Raspberry Pi 4 or 5 will use around 50 kWh per year, which (again in europe) will translate to €15/year. For just €3 more per year i get redundancy and support.
I still run a bunch of stuff at home, but nothing is opened to the public internet. Everything runs behind a Wireguard VPN, and i have zero redundant storage. My home storage is used for backing up cloud storage, as well as storing media and client backups. And yes, i also have another cloud where i backup to.
My total cloud bill is around €20-€25/month, with 8TB of storage, ad blocking DNS, mail/calendar/office apps and even a small VPS.
Not to mention that I love them.
VPS are very expensive for what you get. If you have the capital, doing it yourself saves you money very quickly. It's not rare to pay $50 for a semi-decent VPS, but for $2000 you would get an absolute beast that would last 10 years at the very least.
With Docker, maintenance is basically zero and unused services are stopped or restarted with 1 command.