> Only real gotcha is that you need ssl

Any reverse proxy handles that by default, its no longer a gotcha

And you can just self host local only, it's what I do. clients sync at home and don't lose the data when you leave the house. Even updates on one client (ie mobile) will propagate to others

Setting up a reverse proxy with ssl is a decent challenge for people new to this

Sure, but then I need to spin up a server, lock everything down, pay money, deal with all that other stuff, and well... this isn't going to work for: my partner, my parents, my friends, my family, and so on.