Sure you lose everything from the dying instance. Everything is temporary. I lost so much karma leaving Reddit, but it’s all nothing, especially here where you can post and comment at any karma

If you’re worried about losing your posts, back up better

Not stuck. You can set up your own instance and be beholden to no-one other than your country’s law

You don’t seem to be like me.

You can have your own machine do DNS lookups, a Linux box with BIND, and any other of your computers can have the DNS resolver set to that machine

You need to forward port 53 from your router (usually a wifi router) to the machine running the DNS