If you ask these people you need to buy expensive hardware and build your own datacenter at home.
I have been hosting all my services on a single Intel Nuc from 10 years ago and a RPI5 as backup for critical services like DNS.
That's it.
You'll truly be amazed at how much stuff you can actually run on very little hardware if you only have between 2 and 5 users like in a family.
Also, MinIO was always a enterprise option. It was never meant for home use. Just use SeaweedFS, Garage or so if you really want S3.
Sidenote: You do not need S3 in your house. Just use the filesystem.