> That said, the only caveat to hosting in your own house is it could suffer a fire, and your data is wiped

Well, there are other reasons to prefer using external hosting. Home connections are typically port‐filtered, have dynamic IP addresses, and have a low IP reputation, and your ISP selection is very limited. Whereas if using a VPS there are so many options that it’s easy to shop around.

But you can still self‐host while getting the benefits of a VPS. Just forward ports from the VPS over a WireGuard tunnel to your real machine. Then all the actual infrastructure is on hardware you control, and the cloud provider has no access to your TLS private keys.