Nice analysis. There could be intermediate solutions @keks - e.g. use gitlab to do www hosting of your final team solution.
I particularly like the idea of signing git commits with you private key, though not sure how to do that.
Part of me also thinks that nothing is going to change that much unless there are 3-4 people who really want to have a go at this community commons problem. It's massive, and I don't think it's just a thing for dabbling. I wonder about first step of having a call and mapping out the parts of this "Village" and then seeing if there are bite sized pieces we can get through in the next year