For example, something that is too complex for your comfort level, a security concern, or maybe your hardware can’t keep up with the service’s needs?
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Anything that the family uses. Because when I cease to exist, my wife isn’t gonna take over self-hosting! So e-mail, chat, documents etc.
Password manager like Bitwarden. I’d rather they take care of it for me. The consequences would be too great if I messed it up.