Once you learn it it isn’t super crazy but takes a lot of effort obviously. I think most people who do use k3s and k8s at home are people who use it for work so already knows how and where things should work and be. That said I work with kubernetes every day for work managing a handful of giant production clusters and at home I use unraid to keep it simple.
The cheapest option Is the monthly one for no security updates, there are still regular pro and higher plans which are one and done, no grandfathering