

I‘d probably go with a VPS. It probably won‘t cost more than 10$/month, maybe even less, depending on how much heavy usage your Nextcloud instance requires. And you won‘t have to worry about keeping your hardware and network running, which pretty much always takes up more time than expected.
Some web hosters (I‘ve had very good experiences with Hetzner) charge an hourly rate and allow you to preconfigure VPSes with software like Nextcloud. So unless you have specific needs, you could just spin up an instance, check if it suits your needs and, if not, only pay a few cents.
I don’t think this is quite right. CoD titles do take a long time to develop. They‘re just rotating studios, so they can achieve a yearly release cadence (the last six entries in the series had five different studios working on them). Also, they are by no means getting cheaper. According to court documents development costs rose from $450 million to over $700 million from 2015 to 2020 alone.