Yeah na, put your home services in Tailscale, and for your VPS services set up the firewall for HTTP, HTTPS and SSH only, no root login, use keys, and run fail2ban to make hacking your SSH expensive. You're a much smaller target than you think - really it's just bots knocking on your door and they don't have a profit motive for a DDOS.
From your description, I'd have the website on a VPS, and Immich at home behind TailScale. Job's a goodun.
I started as more "homelab" than "selfhosted" as first - so I was just stuffing around playing with things, but then that seemed sort of pointless and I wanted to run real workloads, then I discovered that was super useful and I loved extracting myself from commercial cloud services (dropbox etc). The point of this story is that I sort of built most of the infrastructure before I was running services that I (or family) depended on - which is where it can become a source of stress rather than fun, which is what I'm guessing you're finding yourself in.
There's no real way around this (the pressure you're feeling), if you are running real services it is going to take some sysadmin work to get to the point where you feel relaxed that you can quickly deal with any problems. There's lots of good advice elsewhere in this thread about bit and pieces to do this - the exact methods are going to vary according to your needs. Here's mine (which is not perfect!).
I'm running on a single mini PC & a Synology NAS setup for RAID 5
I've got a nearly identical spare mini PC, and swap over to it for a couple of weeks (originally every month, but stretched out when I'm busy). That tests my ability to recover from that hardware failure.
All my local workloads are in LXC containers or VM's on Proxmox with automated snapshots that are my (bulky) backups, but allow for restoration in minutes if needed.
The NAS is backed up locally to an external USB that's not usually plugged in, and to a lower speced similar setup 300km away.
All the workloads are dockerised, and I have a standard directory structure and compose approach so if I need to upgrade something or do some other maintenance of something I don't often touch, I know where everything is with out looking back to the playbook
I don't use a script or Terrafrom to set those up, I've got a proxmox template with docker and tailscale etc installed that I use, so the only bit of unique infrastructure is the docker compose file which is source controlled on Forgejo
Everything's on UPSs
A have a bunch of ansible playbooks for routine maintenance such as apt updates, also in source control
all the VPS workloads are dockerised with the same directory structure, and behind NGINX PM. I've gotten super comfortable with one VPS provider, so that's a weakness. I should try moving them one day. They are mostly static websites, plus one important web app that I have a tested backup strategy for, but not an automated one, so that needs addressed.
I use a local and an external UptimeKuma for monitoring, enhanced by running a tiny server on every instance that just exposes a disk free and memory free api that can be consumed by Uptime.
I still have lots of single points of failure - Tailscale, my internet provider, my domain provider etc, but I think I've addressed the most common which would be hardware failures at home. My monitoring is also probably sub-par, I'm not really looking at logs unless I'm investigating a problem. Maybe there's a Netdata or something in my future.
You've mentioned that a syncing to a remote server for backups is a step you don't want to take, if you mean managing your own is a step you don't want to take, then your solutions are a paid backup service like backblaze or, physically shuffling external USB drives (or extra NASs) back and forth to somewhere - depending on what downtime you can tolerate.
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