You already did this once
It worked for a year. Then a disk filled on a Sunday, an update broke mail, and you realised you had become the on-call engineer for your own house.
You did not fail at this
You stopped being paid to do it. Running mail properly is a job — DKIM, blocklists, backups you have actually tested. Doing it for free, at night, forever, is the part that does not work.
Same software. Someone else’s Sunday
Nextcloud, Vaultwarden, Immich, a real mail server — the same things you chose, on hardware you own, under your domain. You keep the control. You lose the pager.
You are not locked in either
The registrar account stays in your name. You hold the backup key. If you want it back, you take it back — documented, standard formats, no export ticket.
The honest catch: this costs real money, because it is a person’s time rather than a subscription. See what a setup includes.
Tell me what broke