From my experience, you don't have to value your time at zero to make it make sense. Some software/infra genuinely requires very little to no maintenance.
Any examples? As a software developer by day and parent all other hours, I've shifted away from self-hosting things. Even stuff like a pi-hole; it stopped working once and my wife couldn't get online, so I turned it off instead of debugging it.
Last time I checked TCO was higher unless you are sort of big enterprise or individual who values her time zero.
Do not get me started on capex