Hikvision cameras have the benefit of not being wireless and using Power over Ethernet for people who don't mind running some cable. I think that has a lot of value over a bunch of cameras killing your wifi. Off the shelf cheap routers do poor with a ton of wifi cameras it seems.
Blue Iris can send you mobile alerts without a subscription. All videos are stored locally & it's very configurable.
You could upload alert photos/videos to a cloud provider for cheap off-site hosting if you choose. That way if the bad people destroy your PC you still have video unless they take out your internet. One could setup limited backup internet with a mobile company for this case &/or for when your internet goes out in general. This of course applies equally to Nest/Ring etc.
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Honestly I'm surprised Ring/Nest/etc still charge for storing video footage. At this point I would have figured they would have found one of countless ways to monopolize off the video footage. Most average people seem to be fine with their data being sold if it provides them some value.
I' also wondering when the first services will start to pop up that provide a marketplace for video footage.