My general rule is to not self host things that are good enough / free (as in $$ not FOSS). So I don't host email or music. I'm not a huge music person so spotify does the job, and gmail's been great since it started.
Things I do host
media server (jellyfin + sonarr/radarr etc)
stable diffusion image generation server
games (starbound mostly, killed minecraft after microsoft takeover)