With a free account, it needs to be reinstalled every 7 days because the signature expires. It's hardly convenient for personal use.
Most apps can be a PWA nowadays. A Hetzner VPS costs roughly the same as the Apple dev membership. Saying this as a native iOS dev since iOS 4. For your average pretty json printer you don’t need to go native.
even worse - if you need to build some app with entitlements or some features likes push notifications etc then you need non-free account