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Your node can't contribute to the network unless you expose this port and poke a hole in your firewall (unless you use TOR). If you don't do this then you are just a consumer. It depends on your intent. It's also more secure to have more nodes connected to you. For example, if you are limited to 8 connections and all 8 are bad actors, then you could run into problems (however this is quite rare)

I have noticed it only works as a startup command line parameters rather than bitcoin.conf

Normally you pay monthly or annually to incentivise them to keep the files on their server. How could we incorporate this incentive? The expectation that I pay once and it stays there forever is misleading.

If this was for file hosting, couldn't the host rug you?

You can use minibits on android to receive small amounts of sats with a LN address, and then move your funds off the custodial wallet. All without kyc or the need to ask for permissions.

The term TBW stands for Total Bytes Written and its an important indicator of a solid state drive’s endurance or estimated lifespan. It essentially tells you the amount of data you can write to the drive before it can no longer function correctly.

So it depends on the drive's TBW spec. Ideally you want to choose a ssd with a large TBW. You can look here for suggestions.

https://gist.github.com/yorickdowne/f3a3e79a573bf35767cd002cc977b038