For home hosting the trick is KISS.
I used to backup to external drives. Now I use bare ones since finding big externals got difficult.
I use (and probably abuse) docker compose. K8s is great but compose is easier.
I use a single makefile. Kinda ugly but it's fine.
Bunch of friends and family use my "services". They usually chip in for hard drives and stuff.
I have a few central points of failure but it keeps things easy. My uptime still beats most big clouds - though I have it easier.
I accidentally took down my server for a few days from a botched hardware install. It's a bit funny because now we realize how critical the home server has become to us.. on the other hand, already got the spouses blessing to build a backup standby server.