How to install plugins without using a third-party host?

It’s like saying you want a car, but can’t be bother getting the annual road-worthiness check.

It’s just the cost of doing business when hosting publicly on the open web.

I’m sure if you want to, you can work out a way to modify the install scripts and symlink them from somewhere on your server, but you don’t sound as if you want to do any work and it will be on you to write and support that solution.

If you can boil that down to a Theme Component you could go Heath Robinson and use discourse_theme to push from your local machine to your server, but don’t cry if your local machine dies, is lost or stolen and you can’t get your code back (without then working out how to get a live copy from your server)