Hi,
I'm sure you must have thaought about it but why not look to become a hoster yourself?

Xoops is so easy to set up and play around with that once you have set-up your site you may find that there are others interested. You can then split the hosting fees or retail the hosting for youreself.

This turns your costs from overhead to investment, and increases the returns. (even if it covers admin it may be worth it )

Like you I couldn't make up my mind, so I went with a Host in the next village .
Seiretto Hosting

I guess it's what you make of it...