I have limited my usecases for selfhosting and thrown money at the problem. The usecases are:
- image hosting and sharing with the family
- backups of our family computers
- digital file hosting
- media hosting
The last one is expendable. The first three are backed up into the cloud. I use a Synology, thus throwing money at the problem. Their cloud backup just works.
Edit: use cases I do not self host are a mail server for example. The stress outweighs the 12€/year I pay for the service.