That sounds like the right middle ground for me. I know for sure my home network is not as secure as it could be, especially since I live with people who need everything online to work without obstacles. I can't even install PiHole.
But, hosting is probably more affordable in a year than the amount I might spend on coffee in a week. And I typically make my own coffee.
Damn, email seems to fragile. I am getting so many perspective, but the main thing that seems like such a gotcha is managing spam, which seems like such a headache.
No, I do not want to become part of the problem.