It is mostly a matter of time. I have home assistant running locally, but started paying nabu casa to serve as the remote access bridge after my homegrown external site died when I upgraded my internet. I could fix it myself… but it was faster to just subscribe.

The other issue is that some cloud services are just better than what I can do on a raspberry pi. I’d rather get voice recognition from Google for ‘free’ than pay electricity and time for a server to always be on.