I ran my own postfix + [lots more brain tiring things here] for 15 years with very few hitches and felt quite satisfied with my successful caveman lifestyle. But then I got too busy and settled on migadu and my gosh what a fool I was. My wife and I use email like SMS these days and always force commercial conversations to email. signal for the truly trite things.
I don't remember what I pay, not going to look it up, but the money for monetizing email is truly well spent: happiness base level permanently raised.
The only stupidity left in my email setup is Thunderbird killing off the ability to use emacs as the editor. Enshitification without revenue... genius.