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I definitely am making my money's worth with my Fastmail subscription. Just over $100 for 3 years? I could work 3 hours and recoup that.

Not a chance I could get away with < 3 hours of mail server setup and maintenance over the course of 3 years.

The mail server can run for 25 years. And it doesn't require any maintenance. And you don't have to trust anyone else to keep your data safe.

are you suggesting that it is advisable to run an operating system and mail server from 1997 in 2022

That is so true.