Doing better until you happen to incur a medical emergency, then bankrupt.

This is pretty much all you need to know about the state of the United States. It’s being run by 10 year old imbeciles.

In ye olde days software was obscenely expensive. That $74 is $260 inflation adjusted. Imagine losing your Word Perfect disks to an accident. That was a $2000 investment in today’s dollars. Which means Zork II cost more than the latest Zelda. There was a reason people tied up phone lines for hours to get on the local BBS.

Late to the party, but I’ve read that OP is going to be the sole admin. Do Not Do This. I admire what you are trying to do, but ultimately, you will have no rest, no vacation, no backup for yourself. The hardware & software aren’t the issue here - it is the human support of those services. You will put a single point of failure on yourself, and likewise your peers.

Many of the FOSS projects you mentioned have commercial services. SAAS exists for a reason. By subscribing to those services as a business, you underwrite their ability to provide the software for free to the community. It’s a win-win.

I just use SMB shares on my NAS. Why over think it?