I was looking at https://github.com/irskep/cheapo_website from commenter irskep above, and they make a nice point that render.com has automatic daily backups, solving 4)
However, in another comment they mention "You can't(?) run migrations from another process" and that "people don't talk about the completely ordinary need to run migrations on a database".
I guess this is also the piece that I'm missing. How do I run migrations? Do I deploy a new version with the migration and temporarily take down the server? I'm glad to do that.
I guess I'm also walking through this because---as I said---I'd love just to switch to SQLite but I'm still not sure how many simple non-esoteric gotchas will pop up.