I'm not judging anyone for not self-hosting. Self-hosting is not a panacea.
It would be a pain if both our primary and backup Internet connections went down, or there was a problem at A&A's end. If A&A ceased, I'd be rather stuck.
Everything would stop running if we have a power outage which outlasts my UPSs, before I could rush and start the generator.
If our home blew up, or burglars decided that the best thing to take was a massive locked rack full of aged cheap computers, it would cause me a problem while I reinstated things.
All of these are possibilities, and I do what I can to mitigate against them.
But at least it would just be *my* things.