I have 50 TB useable in my home server. This requires a total of 6 drives (raidz1) for let’s say $300 each.
Upfront storage = $1800
Power consumption (for the entire server) = $20/month
If we bundle storage into the first year’s cost, it comes out to about $2000.
On the other hand, if you use Backblaze B2, storage alone would cost $3000 per year. If you’re downloading content regularly (media), it adds up pretty damn quickly.