A possible restore only affects that app. Plus I can guarantee the files and DB were snapshotted at the same moment this way.
It may just be a way for me to avoid managing the DB.
Does a DB fall apart every time that happens? It does happen, but I might argue it shouldn’t happen, especially in simple configurations.
I do have an automatic daily dump in case of emergencies.
The getting started would be a lot different if it first instructed you to install postgres, run a script or create a database and users and configure access controls. Also certain things become easier if you assume you can also manage the postgres instance, like on an upgrade, maybe you just create a completely new database and drop the old one, or isolate tenants within one application into different databases, etc.
In general, I agree with OP that sqlite is all you need for selfhosted applications (most of the time at least)
Even in work environments for apps that likely won't have thousands of simultaneous users. Modern SSD drives are so fast that so many apps don't need the advanced features of a full blown rdbms. And I think options like Turso and Cloudflare D1 fill the in between as a hosted option.
I do wish that sqlite had a couple more native types, it works really well as it stands.