Seems to me that there's a middle way. Self hosting is too hard, but making sure you've got local duplicates of all your stuff is less so.
As a simple example: I use Dropbox and Google Drive extensively. I'd like not to but the utility and ease is hard to beat. But I have made an effort to only use Word and Excel (rather than gdoc/gsheet) and have hooked up my Synology so it backs up all my cloud services whenever there's a file change.
So - I'm not strictly self hosting, because it's too hard, but if Dropbox doubled price or Google stopped doing GDrive, I'm safe. Same with photos and other critical assets.
As a simple example: I use Dropbox and Google Drive extensively. I'd like not to but the utility and ease is hard to beat. But I have made an effort to only use Word and Excel (rather than gdoc/gsheet) and have hooked up my Synology so it backs up all my cloud services whenever there's a file change.
So - I'm not strictly self hosting, because it's too hard, but if Dropbox doubled price or Google stopped doing GDrive, I'm safe. Same with photos and other critical assets.