Even with a 1-click LAMP that has compatible PHP and MySQL there was plenty to do. I wanted to use ssh keys to prevent password stealing, letsencrypt so I could force https, virtual hosts so I can run Wordpress from the same IP address, PHPMyAdmin to simplify database admin, an email address using my domain name, scripts to back up.......
Doing it yourself certainly saves money but requires time and patience. For me, configuring servers feels like doing crossword puzzles. Others may prefer a less time consuming approach.