I recognize this will vary depending on how much you self-host, so I’m curious about the range of experiences from the few self-hosted things to the many self-hosted things.
Also how might you compare it to other maintenance of your other online systems (e.g. personal computer/phone/etc.)?
As others said, the initial setup may consume some time, but once it’s running, it just works. I dockerize almost everything and have automatic backups set up.