I do, and it’s probably the main reason I started self hosting.
Managing parents estate made me want to get my shit in order for my own kids in the event I die. There’s a good chance that if I die, my cell phone is gonna die with me. And commercial services from Apple, Google, banks, and other institutions are increasingly tied to a single cell phone as “identity.” If you try to login on a device with no session cookies, they treat it as hostile, and do all sorts of oddball stuff that almost always requires the cellphone to access. And if you don’t have that phone, it’s incredibly hard.
By self hosting, I can choose to make access to that most of that data much easier for my family if I die and my cellphone dies with me. I don’t expect them to continue self-hosting, but I do want them to have easy access to files so they can move them to some system they are comfortable with.
Test it. Seriously.
There are likely roadblocks you haven’t seen. For example, it is increasingly true that login & password aren’t good enough to access most commercial systems. So many businesses rely on active session cookies to determine identity, and if that’s missing, they’ll fallback to email or SMS based one-time passwords. And if they don’t have access to your laptop or phone, it might be impossible for them to gain access.