I just wanted to post this here because I want to help you all and hurt gen.xyz as much as possible. I had a .xyz domain through njal.la which I used to host jellyfin, homeassistant, and other basic things for friends and family. My domain recently became inaccessible without any notice. After a while of troubleshooting, I found that it had been reported to xyz as abuse, and they must have done zero investigation whatsoever before serverholding my domain. I thought about opening a ticket with xyz to get my domain back, but realized that I no longer wish to buy from some shitty company that will take down any site without warning. Bought a .com domain since they are somewhat reputable, and I would advise everyone here to never buy a .xyz domain. Angry rant over.
Cloudflare can still go bad, but its usually for high-capacity users who are using way more than the average. I haven’t seen any homeserver users get hit with any trouble, but I’ve seen a couple small businesses have bad situations with Cloudflare, although it honestly seems like the minority.
Cloudflare has issues but for most its probably fine.
From what I’ve seen/heard, if you follow the ToS (usually by not proxy-ing hosts that shouldn’t be proxied or are in violation if they are) there’s nothing to be afraid of ¯\_(ツ)_/¯