I selfhost only things that aren't critical, I'm not hosting passwords or photos. I'd rather pay for the redundancy offered by big datacentres. I do however choose platforms that are privacy first, ente.io/Proton for example.
I do however selfhost FreshRSS, Audiobooks, Readeck, Linkding, YoutubetoRSS... Useful services that individually hosted playforms want £5 or so per month to use. The redundancy is significantly less important with these services to me compared to losing £30+ extra a month.
I self host photos, but my backups are cloud hosted. A cold rarely accessed backup is way cheaper and more fungible across providers than an entire photos app.
Yeah that's fair enough. Valid approach, I went away from this due to getting family on my ente plan. I didn't want to be responsible/trusted with their images. This way the images are pretty well protected in ente's infrastructure and we can share in the same platform.
True, I only host my own photos, I don't want to possess anyone else's selfies or family photos for sure