But you’re not researching, hiring, and scheduling a contractor to fix it. You don’t need to become an expert in long term planning and anticipate problems. You’re not mentally cataloging basic maintenance tasks like when you last painted the siding or mowed the lawn.
Home ownership vs renting goes beyond equity and I know a lot of people who were happy renting because it gave them a huge chunk of free time back for trips, hobbies, etc.
I’m obviously a fan of LE but a simple self-hosted option with a custom CA would be great for local machines: