[defaultcompany]

The ultimate (and often overlooked) failure mode for using your own domain name is death. You will die and at that point unless you have set up and funded a process to renew the domain name perpetually after your death then after some period of time it will expire. Anyone can then register "your" domain name and start using it which includes receiving all the email addressed to it. If your bank happens to send 2FA emails to this account then the new owner will then have access to your bank account. Personally I want my heirs to own my bank account after I'm dead, not whatever random person happens to register a domain name that I was using.

This sounds extreme but it's only the most dramatic example. This scenario can happen any time during your life if your domain is not renewed for any number of other reasons.

So for me I've had to accept the risk which comes from keeping my most important emails on a large free email provider. At least if they ban me they aren't going to let someone else access my email either. For everything else - the less important accounts - I do use a domain name that I "own".