For example, something that is too complex for your comfort level, a security concern, or maybe your hardware can’t keep up with the service’s needs?
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I’ve managed to do it for my personal email and find it very rewarding. Sadly, I could never use it for my business. It’s just too risky and there may always be a few delivery problems here and there.
VPS hosting, BTW, not home.
I have setup a mail server for my employer, and doing it manually yourself is difficult. I didn’t want to do it for myself as well.
However I looked into mailcow, and tried that privately and it works great so far! However, i would dedicate a separate VPS for just that.