My storage needs were increasing by the day. Electricity is now a small monthly cost. I have more cores and ram than ever, and can easily expand it. Main machine now runs with 1TB ram and 15TB SSD and other has more than 384G ram. I currently use 3TB ssd storage, and get way more performnce than Hetzner's VMs with ceph ssd disks. I do need redundancy, but it's not something hetzner was giving me anyway, and if my anectode is not a mess up, i actually got database corruption on hetzner that never happened on my own local setup.

I'd have colo'ed or used dedicated as it's definitely better than their VMs, but they don't have that in their US datacenters.

I am pretty happy with my current setup, I have significantly less down time (few mins a month) than when I was on hetzner - but this is mostly due to my need for more ram at times.

I also used this as an excuse to get 56G mellanox fiber switch and get poe cameras etc in a full homelab manner, so it's been fun, on top of being cheaper. Noise is not a concern, I got a sound-proof server rack that's pretty nice. It takes up space, but i have kids, so my garage is near full at times anyways :)