I thought most ISP's give out at least /64's for free these days? Telia gives out a /56, although unfortunately there's no way to migrate them. This was a big deal for my homelab when I was moving, as I had to manually update all prefixes everywhere. A pain in the ass.

ISPs do, cloud providers often give smaller ranges.

Re: renaming all the prefixes, that's why I use a ULA within my home network. Not as useful if you want your services available from the outside if you move ISPs (NAT66 can help on the inside but you'd still need to update all DNS records to use the new prefix). I'll stick with my ULA + VPN fallback for now, I don't expect the prefix to change more than once every five or six years.

If you want a static prefix with a changing prefix, you're probably better off with getting a Hurricane Electric tunnel. Or if you want to go hard on the IPv6 homelab hobby, get your personal IPv6 address space and a bring-your-own-IP business ISP.

By convention they're supposed to DHCP you at least a /64 if not something wider. I don't believe there's any expectation it be static (although it typically is AFAIK) and there are some providers that defy expectations by handing out narrower slices (up to and including /128).