The analogy that recently came to me is like internet itself. Your advice seems to say just do everything locally on my computer without access to the internet,

The analogy that recently came to me is like internet itself. Your advice seems to say just do everything locally on my computer without access to the internet, because internet might suffer service disruptions or price hikes in the future. Luckily, ISPs tend to be quite reliable and don't have outrageous price hikes, but maybe that's because of regulation or focused competition, I'm not sure.