I self-host gitea. It took maybe 5 minutes to set up on TrueNAS and even that was only because I wanted to set up different datasets so I could snapshot independently. I love it. I have privacy. Integrating into a backup strategy is quite easy —- it goes along with the rest of my off-site NAS backup without me needing to retain local clones on my desktop. And my CI runners are substantially faster than what I get through GitHub Actions.
The complexity and maintenance burden of self-hosting is way overblown. The benefits are often understated and the deficiencies of whatever hosted service left unaddressed.