For most personal projects, hosting on the cloud may be overkill, but tempting with its supposed ease of use and benefits of scale. Self-hosting is often overlooked as a solution with the benefit of simplicity and cost.
Interesting discussion and demonstration of self hosting the kinds of apps most personal projects will end being.
My local ISP is the same, no static ip without a business plan.
So I use cloudflare tunnels now and they can pound sand
Edit: tail scale funnels could also be a good option