Yes, but that's not technically difficult or time-consuming.

> a plan for disaster recovery to match what an external service can offer.

I'm not sure what you really mean by this. Isn't that what the backups are for?

> Yes, but that's not technically difficult or time-consuming.

Yes, you just pay for some server space on a cloud service... oh wait...

The point is all this trivial to do stuff just adds up, and sometimes it does make sense to use a 3rd party.

Your pain threshold may just be larger than mine.

Which is far from the only solution. I have automated off-site backups without involving the cloud.

> sometimes it does make sense to use a 3rd party.

Of course. I'm not arguing otherwise.

> Your pain threshold may just be larger than mine.

Perhaps, but I suffer very nearly zero pain on this. I probably spend a couple hours a month maintaining my systems on overage.

I consider dumb storage for encrypted data to still be sufficiently under my control.