Agreed - my use-case would be “24/7 server + gaming vm on demand with my monitor and peripherals connected to the gaming vm” and I doubt that is what most are going for.
The reason I mentioned my own build is because I consider putting all the components together to be a step up in complexity too, when compared to going pre-built. For someone who is comfortable with building their own PC I would definitely recommend doing that, the ability to tailor the hw to your needs is so much greater. :)
I would go for registering my own domain and then rent a small vps and run debian 12 server with bind9 for dns + dyndns.
If you don’t want to put the whole domain on your own name servers then you can always delegate a subdomain to the debian 12 server and run your main domain on your domain registrators name servers.
edit:
If your registrar is supported the ddns-updater sounds a lot easier.