I've been running a server since 2005, as a teen. It's been easy. It's my main email.
In 2019 I migrated from the vServer to a dedicated setup switching from Debian to OpenBSD, from Postfix to OpenSMTPD. I use Dovecot, the only thing I ever tinkered with were spamd or spamassassin. The only things to do were DKIM, DMARC and SPF.
I have never had an issue with mails not arriving on either end, I rely on it personally and professionally.
I am very much not an expert in the area, nor really interested. I just set it up and it works. Should some emergency thing happen I'll just put on my last backup. But no data loss has ever occurred in these years. Just use your RAID setup.
So far it has been more reliable than Gmail (which was down, had bugs, etc., just search Hacker News ;))
I think there is a huge amount of FUD in the area. E-Mail itself is very reliable and handles any issues very well. Since it's a super old tech nothing much changes, just DKIM and so on. I think a lot of tech people are all to used to hosting stuff that constantly changes which makes them very scared of it. But e-mail you just read into, set it up, add a couple of comments for your future self and might easily outlive you.
Of course you should do your updates and of course I wouldn't recommend to do it like me and do that as a whim as a teenager with no experience, but also it worked out.
I'd recommend OpenBSD because the system is sane, you get OpenSMTPD which is compared to other extremely easy to set up correctly. It doesn't have all the cruft that others accumulated.
Here some things that you need to not forget so others won't think you are a spammer:
* Set up (and test) SPF
* Set up (and test) DKIM
* Set up (and test) DMARC - even if it's just the record part
DON'T FORGET TO SET UP the PTR record. I do that for all systems, but somehow even with people that should know this things from their job people seem not to.
Read up on each of these things to get it once, configure it properly, add comments, maybe write down some notes somewhere, have backups. And you are good to go.
If you are scared, you can just do all of the above and still use what you currently use. Spend some times (years?) to see if it works for you with non-important stuff. If it does, you can switch stuff over. If not you learned something.
This is not me saying that I think you should do it, but it's an option if you are interested. You can just get a cheap server and try it. In the very worst case you'll have learned something and made your own opinion.
Also on IP reputation. I think there's something off here.
You go to say Mailchimp/Mandrill/Mailgun/etc., because of their "reputation" and a month later you notice that their reputation sucks, so what happens is they upsell you to get your dedicated IP (own thing, more expensive package, etc.).
I never had a problem with IP reputation but I'd assume that your hosting company would give you a new one if you brought it up.
i recently moved to microsoft o365 basic, which is good and also gives the smtp etc, so you get any client to work. The biggest pro i miss is a catch all mail solution, which was amazing for protonmail. i didnt have enough time to tinker with o365 to find out catch all mail so far, everything else it beats protonmail hands down.