If you have a VPS with a company that’s not super shady, and you don’t mind jumping through hoops for a few of the bigger providers (Microsoft + Google are the worst) and running around getting off any blocklists once when you start using the IP, it is not actually that hard to host your own.
That said, this advice probably applies more to people who, for example, already know what ssh is and already know or don’t mind learning what DMARC is, for example. Someone who isn’t technical and doesn’t want to become technical probably is better off with paying someone else to host a mailserver for them.



The Dunning-Kruger paper was later discredited because, ironically, Dunning & Kruger thought they were better at statistics than they actually were!
There is a dark triad of personality disorders that often occur together: psychopathy (lack of empathy for others), Machiavellianism (manipulative) and narcissism. High narc people boast they are the greatest even if they are pretty terrible (but it’s not Dunning-Kruger because even if miraculously a high narc person became mediocre instead of poor at something they claim they are good at, they’ll still think they are good rather than reflecting on what they now know they don’t know).