I like to host as many services as possible and I’m fine with it being a second job at times since this is my main hobby, but I actually agree with you on your examples. The three things I won’t self-host are:
Emails - I am not willing to put in the effort on this. Plus, my ISP blocks those ports so I’d already be into using a VPS even if I wanted to host this. I’d rather just pay someone else, like Proton.
Password manager - I actually did self-host Bitwarden for a long time, but after thinking about it for a while, I decided to take the pay someone else approach here too. I’m pretty sure I’m doing everything correctly, but I’m not a security expert. I’d rather be 100% sure my passwords are in safe hands rather than be 95% sure that I’m doing everything right on this one.
Lemmy - I’ve heard about (luckily never seen) CSAM attacks on Lemmy/Kbin and will not risk that kind of content being downloaded because I’m federated with an instance dealing with those attacks. I’m happy to throw a couple bucks at lemmy.world’s Patreon and let them handle that.