Right now I have a NAS. I have to upgrade and maintain my NAS. That’s table stakes already. But that alone is sufficient to use bare git repos.
If I add Gitea or whatever, I have to maintain my NAS, and a container running some additional software, and some sort of web proxy to access it. And in a disaster recovery scenario I’m now no longer just restoring some files on disk, I have to rebuild an entire service, restore it’s config and whatever backing store it uses, etc.
Even if you don’t already have a NAS, setting up a server with some storage running SSH is already necessary before you layer in an additional service like Gitea, whereas it’s all you need to store and interact with bare git repos. Put the other way, Gitea (for example) requires me to deploy all the things I need to host bare repos plus a bunch of addition complexity. It’s a strict (and non-trivial) superset.