I self host a lot of shit, but after almost a year of using Obsidian I finally paid for their sync feature for one reason: iCloud sync to iOS is painfully slow.
I was sometimes waiting 30-45 seconds to jot down a note just waiting on the app to open with iCloud sync as my backend. Now, with Obsidian sync, the app is ready-to-go in seconds.
Now if you’re only going to be using on desktop, I would definitely consider a git-repository based sync, but if you’re gonna use mobile I’d recommend you at least consider Obsidian Sync