It's fairly straightforward to migrate a db to a new postgres instance, so you're not shooting yourself in a future foot if you change your mind.
That's what I needed to hear. I'll just try it out and see what works best for me. Stupid me didn't even think of that.
I'm not really bothered about services going down all at once. The server is mostly just used by me and my family. We're not losing money if it's out for an hour or so.