I agree, I am not sure if I am ready to make the move myself, but I have ADHD and this post may be just the motivation I need. I am using GitHub as glorified private git server, so the move shouldn't be too difficult. Any recommendations are welcome (thinking of codeberg at the moment)!
Aside from price, I have aspirations of open sourcing stuff this year so some issue tracking and CI/CD features would be appreciated (thought not necessary).
Edit: It seems codeberg is non-commercial, but there is a host for forgejo that seems interesting (https://gna.org/).
(I started a rant about self hosting, then realized it's completely irrelevant but I had already written it, so continue at your own risk)
IMO self hosting is not an option unless you are a sysadmin or somehow have a tonne of relevant experience.
I used to self-host GitLab, one weekend after about a month of being off my hobby projects I tried to login and the service wasn't available. At first, I panicked, I didn't know when my last backup was, but it was a while. In the end, my host was performing scheduled maintenance and a few hours after GitLab was running again, but that incident was enough to scare me away from ever self-hosting anything valuable ever again.
I guess what I was trying to say is that I am not willing to take up the risk of self-hosting my code or expend the effort to make sure this is well functioning and safe.