Yes, the convenience of being able to access your data everywhere is very hard to overcome. The largest downside is the reliability of the Cloudflare platform, as if it goes down, you'll have problems accessing any of the exposed services, and it has indeed been problematic some time ago, when they were down for an extended period of time.

If I overcome my laziness, I'm going to invest a bit into Tailscale/WireGuard set-up, with some bastion host perhaps.