At least where I am, in the US, hosting your own services at home is all well and good until you become frustrated with the piddly upload bandwidth you get from your ISP and the potential of running afoul of transfer caps. Consumer acceptance of "personal clouds" isn't going to happen if using traditional "cloud services" is cheaper, faster, and more reliable. I don't see that story getting better anytime soon.
It works out for me. Because 70% of my access happens within my home from different devices and i get to use my gigabit connection in the LAN. I think for many users it is the right setup (Unless otherwise you are a traveling salesperson).
My personal situation is much the same as yours and it works well for me, too. I question how well, however, it would work for someone who is more into creating media with their mobile phone than I am, or someone who wants to share data from their personal network with friends / family.
