Finally, someone gets it.
You want to know what breaks my heart? The "optimized" configs I mentioned earlier. I had a client last month paying me $150/hour to fix a site that was "faster than managed hosting" according to the nephew who set it up. The nginx config had 47 lines of headers copied from twelve different blog posts, half contradictory, and a FastCGI cache that was serving logged-in users stale admin pages.
Took me four hours to untangle. The managed plan they rejected would have cost less than this single incident.
You're not paying for the server. You're paying for the decades of mistakes you're not making.