Hosting websites at your house? Slower load times for your users.
    Hosting git at your house? If your house burns, you might lose all copies of the code.

The only reason i'm considering moving all the internet facing stuff to a VPS is to allow me to "relax" a bit, by minimizing the amount of public services/ports that can have potential exploits on my home network. I've tried to minimize the damage an attacker can make by using FreeBSD jails.

I already segregate the network traffic in LAN, DMZ, SERVERS, KIDS, IOT and GUESTS, with the only route being through the firewall for access to other VLANS, as well as not allowing traffic from certain VLANS onto others. I monitor logs religiously.

I'm guessing a VPS would probably allow me to sleep a bit easier at night, though i'd still have the same amount of maintenance work.

This is what off-site backups are for. You have them, for your hosted services as well as your home ones, right?! OK so with a hosted service you have the advantage of them managing uptime and recovery matters to an extent, but I still prefer to have my own backups on another host, so I have the data in my hands if the whole service goes offline for a time.

I'd agree with your other points but I don't think the "what about a site-down situation?" matter differs between self and remote hosted options (unless, perhaps, you are paying a pile for nice renumeration-backed SLA promises).