Once you get a node going you can ‘forget it’ a little bit. But that’s the trade off for self sovereignty: there is work involved. Are you computer savvy? You can build your own Start9 with old computer parts. I have a very old server hardware running Start9 until I save up for a newer machine.

I’m unfamiliar with online solutions. $100/year, sure if that works. But remember it’s still someone else’s computer. But really there is no right or wrong in my opinion. Just risk/work/time trade offs. Have fun, good luck and happy computing.