I've looked into the costs of VPNs on servers I own vs. a VPN service with unlimited bandwidth limits and the latter always wins. Setup time costs aside, VPN services usually have multiple regions you can connect to and are likely to have more reliable speeds.
This is, of course, if you trust these companies enough and [list of security implications].
A personal license of Umbrella by OpenDNS, which includes always-on laptop and phone VPN, is $20 a year currently. There are also features like Anycast that are not feasible to replicate on a personal server.
This is, of course, if you trust these companies enough and [list of security implications].