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>On the other hand Codeberg doesn't let you create private repositories at all.

are you sure about that? I'm fairly certain my repos on codeberg are all private but I could be mistaken.

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It is kinda incorrect and kinda correct. Codeberg allows you to create private repositories. However, their rules are clear that the intent of private repositories must be in support of Free software projects: https://docs.codeberg.org/getting-started/faq/#how-about-pri..., which for many people is effectively not allowing private repositories.
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My reading is: Don't attempt to store your media (photos, music, videos, etc.) collection there, and you won't have any issues.
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