You can use services like mailgun to send an email, so it's not a strict requirement
I had to even dump Fastmail because they had delivery issues with Yahoo.
Overall, it seems to be a minimal cost.
On top of that, this is talking about self-hosting, for which the delivery is not a concern at all, the target of the emails is "yourself" (can add filters to avoid things reported to spam)
If that is not enough, Nylas is an option.
I just find extreme limiting your hosting options for email sending, especially when you can still host wherever you want and use email services from other providers.
In case of self hosting, the clients are also limited (usually yourself, family and friends), so you can even ask to "allow list" the address you plan to use for those communications.