[schoen]

The distinction you mention is real, although not all warrants against providers come with gag orders, and some warrants against people's homes authorize surreptitious searches, such as by breaking into the home when the target is away. (This was done for a personal computer as early as 1999 in the Scarfo case.)

Lately law enforcement has been seeking warrants to hack people's computers and some of them have been granted; typically those have also been surreptitious searches. I think this is the greatest risk for surreptitious government access to self-hosted information, because some agencies have been getting pretty excited about this and there are a lot of contractors who will supply them with vulnerabilities and tools even if they don't have the expertise to develop those themselves.