+1 to this; Time spent on your setup is an important factor too.
The more important your data is, the more time you are going to need to spend maintaining your system to ensure security, backups and fail-overs. Not everyone has luxurious amount of time to spend on their home-lab everyday.
For me, I personally just run my workplace stuff in a VM (Debian 12) using KVM.
For excel desktop, OnlyOffice has a Desktop application that you can use to edit local files, which has pretty good compatibility with Microsoft products.