While I enjoy setting up and playing with these service, I need to think about managing all these services as little as possible as I don't want to spend all my free time being a system admin.
Also, often a new release is not just a system admin task. Sure, it may not be _that_ hard to do a full backup, pull new docker images, spin them up and verify everything. The time sink comes from keeping track of all the releases of all the different projects, reading up about changes, how the upgrade process works, and so on.
On top of that, my family has become reliant on several of these services, especially nextcloud and bitwarden. The last thing they want are major changes to it. Long term stability with minimal changes can be a feature!