running a whole setup that is fully ready for hot swap live failover whenever you have maintenance tasks to do

This is basically "ready for production 101." It's even easier to run an entire service on a computer under a desk, but this isn't how you run stuff in production.

Even if it's "easier" in the short term, you'll be paying more for not being production-ready in the long term (and get a reputation for not having good uptime).