I'm running my own on bare metal dedicated servers. You will need to install a few extra things (MetalLB for LoadBalancer, CertManager for SSL, an ingress controller (nginx, Ambassador, Gloo), and one of the CSI plugins for your preferred storage method). It is extra work but as a personal cluster for hobby work, I'm paying $65/mo total for the cluster. Same specs would probably be $1000/mo at a public cloud provider.
If you want something production-grade (i.e. doesn't say "beta" on the tin) then I think Calico should solve most of the same problems too (it does BGP peering to your ToR switch):
Metallb had more features than calico before calico had the external service advertisement feature. Now that they do, services can use ecmp load balancers just as metallb does.
