I say svn+ssh is perfect for working solo.
It can also work great for a team (multiple ssh keys, one per user, single 'svn' account on the server). That is, until you want to add some authorization/access control--that's a job for Apache + mod_dav + authz.
$svn co svn+ssh://myhost/var/svn/repos
Just setup passwordless ssh if you haven't already, and it works like a dream.