Today, you can run mailcow/mailu with all the options on a relatively modest vps. I'm on a cable provider that locks down residential customers and charges over 2x as much for business, so it's cheaper to use VPSes.
On RPi, I've mostly opted to use SSD + USB Adapters as they've been significantly more reliable that SD. There's lots of cases that make this configuration a breeze. That said, I've mostly been running Mini PCs since COVID when the RPi got to be more expensive all-in and slower.
OTOH, I corrupted a card by turning off the Pi in middle of writing.
I’m scared of self hosting a mailbox.
I don't send a lot of emails from it, but the ones I do are delivered.
There are a few open-source one-command mail server deployment solutions that do all of the heavy lifting for you. Some of them might even be pretty good. The problem with those is that if you don't understand how your mail server is put together, you're completely stuck if it breaks.
There are "Industrial" SD cards which should last considerably longer, you can look up a few people have done their own testing. They can be slower but that shouldn't be a blocker for an email server on a pi.