i like to self host but i’d never do it for something critical like photos. what if you’re hit by a bus next month? Then your family (probably not tech savvy) need to figure out how to migrate all their stuff to a commercial offering - while dealing with all the emotional stuff after death. it’s just added stress for your loved ones.

100% private is nice but not practical for something like photos in my opinion. unless you have someone in the family that can take over after you’re gone and is very technical.