The initial install process was a little challenging for me since have no background in ever installing anything by command line, but eventually figured that out.
Second main challenge is the e-mail sending/receiving setup.
I preferred the discourse hosting with discoursemail and team support is very helpful, but for new site with not a lot of traffic don’t need that and is more affordable to self-host with $12 a month server is less than the $100 a month standard plan.
However, have spent a lot of time figuring out how to make this work, so if you value your time a lot then discourse hosting may in fact be less expensive than managing the server yourself.