Most people shouldn’t self host. It’s a hobby for people who want to do it, and there are benefits, but spending 3 hours on a weekend fixing stuff is not how most people wish to spend their time. Furthermore, it’s not a good use of most people’s time. We split labor up into specialties, forcing people to do work outside their specialty causes pointless inefficiency. I agree with what other commenters have said in that a better approach would be to have more small businesses hosting federated together, and anyone not inclined to self host should just purchase service through one of those many small providers instead.
As a person who has been managing Linux servers for about a decade now, trust me that a few hours or days of learning docker now will save you weeks if not months in the future. Docker makes managing servers and dealing with updates trivial and predictable. Setting everything up in docker compose makes it easy to recover if something fails, it’s it’s self documenting because you can quickly see exactly how your applications are configured and running.