I self host most everything through unRAID. I spent a good amount of money getting a good server setup. The only thing I rely on the cloud for is email.

I've gone through several iterations of hardware and hard drive capacity over about 7-8 years now. Hard to imagine I'll ever go back.

It's not even about the monthly subscriptions, I've spent more on hardware I'm sure, plus my monthly VPN and Usenet fees. It's really an exhaustion of SaaS becoming essentially keyloggers of our entire lives. I guess self hosting is the closest we have of opting out, but even then it's not enough.