Indeed. I know very few people trying to bootstrap that think anything but "payroll" matters for costs. The best cases are single people accustomed to living cheaply from grad school & undergrad. Even in those cases, just making ends meet will cost at least an order of magnitude more than any reasonable hosting configuration.
If you are working on a side project with a legit job, than the cost of the effort is in the noise for sure.
If you are working on a side project with a legit job, than the cost of the effort is in the noise for sure.