I'd argue forget about Postgres completely. If you can shell out $90/month, the only database you should use is GCP Spanner (yes, this also means forget about any mega cloud other than GCP unless you're fine paying ingress and egress).
And for small projects, SQLite, rqlite, or etcd.
My logic is either the project is important enough that data durability matters to you and sees enough scale that loss of data durability would be a major pain in the ass to fix, or the project is not very big and you can tolerate some lost committed transactions.
A consensus-replication-less non-embedded database has no place in 2025.
This is assuming you have relational needs. For non-relational just use the native NoSQL in your cloud, e.g. DynamoDB in AWS.
You seem insanely miscalibrated. $90 gets you a dedicated server that covers most projects' needs. data durability isnt some magic that only cloud providers can get you.