I'm paying $10 a year for https://purelymail.com. Yeah, I'm pretty sure there's a hit-by-a-bus factor at play here that could bite me but the one time I had an issue it was resolved within 8 hours with a follow-up to make sure the uptime they were seeing was also my experience. If the bus ever does meet my provider, I can move providers within a day. For my personal email, that is more than sufficient.