Just be lazy, it’s the best of both worlds.
I don’t think it is fear. We are transitioning our decades old software to .net 6 right now. It will approximately take a full year (we are about halfway done) since we use WPF, WCF and a lot of Windows native APIs. And in the end we will be on 6-windows and not the cross platform sdk since we can not get rid of WPF without major UI rewrites.
If a FOSS project provides easy self hosting but also a paid hosting I usually go for that to support the project and gain something at the same time. Not only for password managers but any service.