Every two or three years I oscillate been believing that self hosting is more stable, paying a professional company is more stable, self hosting is more stable, paying a professional...
The actual monetary outlay is not even a factor most of the time. But identifying which tech companies are stable is a challenge.
If self hosting and professionals are equally stable, I’ve tended to like the idea that when something breaks, there is a team of people watching for it and fixing it, and I don’t need to drop everything else I’m doing to play sys admin for the evening.
I set myself a budget of $100/month of subscriptions. I decided if I stay under that I’m not going to stress about it. My bigger worry is more around longevity and a rug pull in the future (or a hack). But I have that same anxiety around self hosting as well, if something happens to a project and I need to migrate, or I get lazy about updates.
The actual monetary outlay is not even a factor most of the time. But identifying which tech companies are stable is a challenge.