Totally agree, and I notice a lot of people just blindly go down the hosting Vaultwarden route. There's a trade-off that everyone needs to consider, and much of it depends entirely on their skill level.
Having said, I'm all for self-hosting and I hope it continues to become prevalent.
I'm also all for self-hosting, but there's a difference between hosting things for your LAN, and hosting things available on the internet.
Most people have no clue about the amount of work required to runs things in a secure, redundant and resilient way. And no, a RaspberryPi in the corner, running on your LAN probably won't cut it. At least not for me.
Having said, I'm all for self-hosting and I hope it continues to become prevalent.