I've been DDoS'ed exactly once. In 2003 I got into a pointless internet argument on IRC, and my home connection got hammered, which of course made me lose the argument by default. I activated my backup ISDN, so my Diablo 2 game was barely interrupted.
But have those webservers supported a small or medium-sized business?
I've periodically removed Cloudflare because of issues with reissuing SSL certs, Cloudflare being down, and other reasons, and haven't noticed any problems.
The biggest benefit I get from Cloudflare is blocking scraper robots, which I've just been too lazy to figure out how to do myself.
Also you can sue whoever DDoSes you and put them in jail. It's easier than it used to be, since the internet is heavily surveilled now. The malicious actors with really good anonymity aren't wasting it attacking a nobody.