What is the best time to start an agency after 2025 ?

Hi guys, Been using make for a while now and my applications are getting quite big (aka costly). I want to move over to n8n but am unsure about the hosted / self hosted argument. If you are self hosting, presumably you need a hosted server slice in a dc. What spec do you need? and has the free edition got everthing needed? and it it hard to install for a non linux person? thx