For my use case, I’m continually fiddling with my VM config. That’s my playground, not just the services hosted there. I want home assistant to always be available so it can’t be there.

I suppose I could have a “production “ vm server that I keep stable, separately from my “dev” vm server but that would be more effort. Maybe it’s simply that I don’t have many services I want to treat as production, so the physical hardware is the cheapest and easiest option