That's not really the point I'm trying to make, I'm not sure where this disconnect is coming from.

The question you should be asking is whether or not I can more easily access my home than a data center, to which the answer would be yes.

If the entire world disappeared aside from the plot of land I live on, well, I'd have larger issues, but I would still be able to access my data, until the generator ran out of gas of course.

To answer the question you did ask that, again, is not relevant to the point I'm trying to make, is yes. I work from home, and live in America where we don't have third places, so I do most often access my data from home. Additionally, most of the services I self host are home automation and data backup based. Sure, I wouldn't be able to access Immich or Home Assistant while away from home, which would be annoying, but the end of the world? Not really. A lot of people intentionally don't make their HA/Immich instances visible to the internet.