I fucking don't want to spend more money on services. It's a nightmare. That's why I started digging into self-hosting in combination with some core services that I would like to keep to stay into the practical part and don't spend time configuring shit.
Which is fine. But self hosting has multiple complexities. It's not just a case of installing and configuring a mail server. Maintenance, security, electric costs etc just add up.
I'd sooner have working emails and leave all the management to the provider.
I think even the most hardcore self hosting guys would probably caution most against setting up their own mail server too. One of the few things that has too many caveats to make self hosting make sense.
Keeping a simple nas alive, with automated backups from linux + windows based machines with proper authentication already sometimes feels like a second job. Hosting all of your own services is way more effort than people realise
I have a Pi4 that runs a couple of services to run in the house. Even this still needs regular OS patching, updated images pulling, troubleshooting etc.
I ran my own mail server many years ago but I can't reliably do one anymore. Besides, death can happen at any point and I'd hate to leave my family with email mailboxes that are just gonna stop one day from something breaking or a domain not being renewed.