There is a bias in technical knowledge. I used to be huge into self hosting but came to the realization that if I died tomorrow my NAS, domain, email and backups of our family photos would work until they don’t. An unpaid invoice, a cancelled credit card, a failed reboot or maybe the nastiest was plugged into a new network.

So in my case increasing the bus factor refers to: a regular usb drive hooked up to the nas that has an unencrypted ntfs drive with our photos and paperless archive; iCloud email that will stay up; Bitwarden hosted on their end.

Same reason I have a very health life insurance and disability policy.