Just to clarify, I use a $5/mo DigitalOcean droplet plus an extra dollar or two for backup and then a rsync.net account (that I use for other backup purposes too). Off the top of my head, that is the extent of my expenses for this set up (it's possible I might be forgetting/missing something).

And you are correct, that I work through the Chromebook but when the other monthly expenses don't exceed the cost of lunch, I don't think there is too much missing subtext.