I in general like to self host, but more importantly I don't want to be locked in.

I pay zoho £10 a year to host my email. I could do it via my ISP, I have a good one which doesn't have port blocks, offers as many IPs as I can imagine I need, and is shibboleet compatible, but even setting aside my own time and maintenance, I'd want two MX entries that were geographically resilient, so I'd need to rope in a friend or family member. For £10 a year it's not worth it.

However if zoho stops working, or bumps their price up, I can shift my domains to someone else with a change of MX/spf/etc records.

Only concern is that all 3 zoho entries are on the same AS (zoho), so that's a single point of failure. Not a major concern for personal email.