It seems like there’s a lot of ways to go about this that may be overkill, so I’m curious which may avoid that.
Low maintenance in this context is aiming for moderate technical knowledge/setup, lower cost, and portability in case you need to migrate your site and so minimal hassle in that process.
If you don’t have SOME domain name, then people can only visit your site with an IP address.
Additionally, you pretty much have to have a domain name if you want HTTPS encryption - if you don’t have an HTTPS certificate, people’s browsers will show lots of scary warning indicators on your page.
But if you’re asking about buying your own domain name (firstname-lastname.com) vs. using a subdomain from your hosting provider (myblog.wordpress.com) then it comes down to preference. Having your own domain will make you look more professional and get you more clicks on average.
Mainly the latter, and you cover the reasons for that, so appreciate it! For a more casual approach (and according to one’s preferences), it sounds like you’d be alright to stick with the subdomain-from-host approach, which is how I was leaning but I wasn’t sure if there might be more to it than that within the more managed hosting space.