That rather depends how you value your time w.r.t the opportunity cost of doing other things. Valuing my marginal time with a purely internal cost metric of $5

That rather depends how you value your time w.r.t the opportunity cost of doing other things. Valuing my marginal time with a purely internal cost metric of $500ph, that $20 equates to a tipping point of 2.5 minutes a month on the complete hosting setup & management. Since it will invariably take more than that even amortized over a year it's a no-brainer: I'm okay with paying for blog hosting, assuming it's a service offering the same capabilities and quality level I'd build for myself. NB: I receive no additional value clawed back from DIY since I do not desire any additional experience with building, configuring, securing, managing, monitoring and maintaining web servers and/or content management systems.