Personally I’m happier to use wireguard to access my network. I don’t know when I’d ever want a pure SSH tunnelling solution.
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As it boils down, the OP's solution is "free" as in money but not as in freedom for a certain set of requirements.
Basically, going with CF trades-off some freedom for the considerable/legitimate protection benefits of being under the "cloudflare umbrella". It's probably a good trade for this moment in time. But rational people can disagree about whether it's a good trade when you broaden the time horizon to 5, 10, etc. years.
Like all things, it depends on the requirements you're building for.