Backups. Cloud services like Backblaze B2 are so cheap for the durability they offer, it just doesn’t make sense for me to roll my own offsite solution with a Raspberry Pi at my parents’ house or something. Restic encrypts everything before it leaves my machine.
Password manager- it’s too important and it’s the thing that has to work for me to recover when I break something else. I’m happy to support Bitwarden with a few bucks a year.
Email- again, it’s mission critical and I have a habit of tinkering with things and breaking them. And it’s just no fun. The less I need to think about email, the happier I am.