I have run one continuously since 2019 across three different hosts, so I will answer the version of the question you asked — is it still worth doing — rather than the ideology version.
What you are actually buying
Zero protocol fee and no operator account. That is the whole product. The customer pays into a wallet whose keys you hold, and there is no third party in the middle who can decide on a Tuesday that your category is no longer supported. Nothing else in the space offers that, and every hosted alternative is a variation on "we will probably not freeze you".
What it actually costs
Not the VPS. The VPS is nothing. The costs are:
- Disk. A full node with txindex is the single largest line and it grows monotonically. Budget for the box you will need in two years, not the one you need today.
- Attention. Roughly twenty minutes a month if nothing breaks, and a lost evening two or three times a year when something does. Updates are the usual trigger.
- Key custody. This is the one people underprice. If you lose the seed there is no support ticket. If someone else gets it there is also no support ticket.
What breaks, in order of how often I have seen it
- Disk fills. Almost always this.
- Lightning node state after an unclean shutdown. Which is your problem exactly, and PipelineRat is right that dropping LN removes the entire category if you do not need it.
- Docker upgrade path when you have skipped four releases. Do not skip four releases.
I have not run it under a serious traffic spike — my volume is steady and modest, so treat anything I say about scaling as untested.
The honest recommendation
At forty invoices a month it is still the right call, because the thing you are avoiding is not a 0.5% fee, it is the possibility of a five-figure balance sitting behind a compliance review for six weeks. But you have to actually do the maintenance. Someone who will not patch a box should use a hosted gateway and accept the trade, not run a node badly and call it sovereignty.
Short version: worth it if you will maintain it, actively worse than hosted if you will not.