Losing things is one of the risks of any setup. With paid for services you are putting trust that the provider has put in place methods to prevent downtime/data loss. Self-hosting means the onus is on you. Make sure you document things, make sure you have some kind of backup in place, and update things regularly (but maybe not straight away, just in case).

Also expect to occasionally run into weird issues that you need to figure out a fix for. I am 99% sure it was for my NextCloud-AIO setup a year or so ago, but there was an update to it that broke the setup if you had created the containers previousy at a certian time. You needed to run a particular command inside one of the containers to fix it up.

There was also the time where I migrated things off a physical server to a VM, but missed the script that was doing my certbot DNS challenge renewal. I had not documented things back then and a few months later all my services stopped working, that took a bit to re-do.

I do make sure to keep backups of my VM's, and for the VPS I run I pay a bit extra for vultr to keep backups/snapshots there. Along with actual documentation of how I did the setup, I've got things stable for the most part.

Here's my Heimdall homepage to give an example of different services I run, as well as some links to other websites. Blanked out a few things for privacy and eyepatch reasons (not sure if that's allowed here).