I run a bunch of local services on RPis and a decade-old Mac Mini. I love having the control over things, but I don't pretend I don't spend a decent amount of time maintaining it. I only run things that don't need to be highly available, so something like Pi-Hole is off the table. The last thing I want is for our DNS to go out while I'm sleeping, and my partner has to wake me up because she has work to do.
You mention SD card corruption as the only reason why a RPi-based service might fail, but there are plenty of others: botched updates, random hardware failures, power supply issues, and likely other things I'm not thinking of.
And even if a Pi-Hole can keep three nines of uptime (I'm skeptical of this claim), many people will find significant value in giving someone else money so they don't even have to think about digging into fix a problem for the rare occasion it happens. Suggesting that a particular home-hosted solution is "unbeatable" is meaningless; "unbeatable" in this case is a subjective measure, and other people will value different things than you do.