> tech-savvy users may prefer a self-hosted version Not necessarily. I'd hate to self host stuff. It's a maintenance burden, time wasted getting stuff to work

> tech-savvy users may prefer a self-hosted version Not necessarily. I'd hate to self host stuff. It's a maintenance burden, time wasted getting stuff to work with all of its complexities, and once that's done you need to make sure it keeps working, that bills keep being paid, and you're responsible for drive failures, backups, missing a bill, etc... And that's despite my software and sysadmin experience. I don't think it has anything to do with "tech-savvy". Hosted is just the better option in almost all cases, especially at individual or small-medium scale. I actually think the converse to the typical self-hosted statement is true: only a small number of tech-savvy users like to self-host. They just happen to be a vocal minority.