Yes you’re right. When i did the math at the start i calculated it would pay for itself in a few years. However it’s kind of like a car. You get a car and you always want to add new rims, new turbo, new subwoofer etc. I added more ram which was needed anyway. Upgraded the SSD. Want to replace the old SATA. Bought a new HDD to backup too. Then it started to add up. My server is really small and basic too. Just a pre 2020 lenovo thinkcentre. Of course everyone is different too. If I were just hosting my data and not using it as a media downloader and player as well then I wouldn’t have really needed any of that extra stuff. Also you have to consider that liberating your data is a huge benefit even if financially it the numbers don’t look as good as you want. You can’t put a price on that.