For most personal projects, hosting on the cloud may be overkill, but tempting with its supposed ease of use and benefits of scale. Self-hosting is often overlooked as a solution with the benefit of simplicity and cost.
Interesting discussion and demonstration of self hosting the kinds of apps most personal projects will end being.
If only you and your family are using a service it’s better not to open ports to the public internet anyway. Tailscale or another VPN will solve this nicely and your ISP won’t be able to tell aside from bandwidth usage