I also have a one man show Saas with 34 companies paying that pays my bills.

It runs on namecheap shared hosting.

If it goes down, I trust namecheap to fix it asap. If it goes down and someone called me, I don't really know what I would do anyway....

In 6 years it has never been a problem.

PHP and jQuery. I use phpmyadmin via cpanel to manage the database.