Thinking on it, I suppose the biggest cost is in terms of my time.

Up until this point, I’ve put quite a bit of time into learning how things work, and how to deploy things I’d find useful, and that can replace paid for services. Even now things are set up and running, I still have a tendency to fiddle with things. I’ve spent far more time on my Navidrome server than I ever did on Apple Music, put it that way. The same amount of time listening, mind.