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Not sure if the price difference between an alarm and a Home Assistant set-up is much if you keep an eye out for deals.
Given the cost of Raspberry Pis at the moment I can believe that! I think Aqara hubs are a bit cheaper though but not sure if they need internet, presume so.
I'm in the process of de-clouding my Home Assistant setup but fundamentally most key things don't depend on the internet and that's a big attraction of Home Assistant for me: keeping things (and my data) local. Don't have a UPS but am planning to add one and prices have come down a lot since last time I looked.
I picked up a Unifi Cloudkey Gen2+ controller recently to replace a Raspberry Pi which was running my Unifi controller and I'm planning to get a Unifi Protect doorbell and an external camera but no internal cameras. Even when the video will be stored locally I'm not comfortable with internal cameras.
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Fox
Ramsaye
I guess if you're running the Pi and your router/wifi on a UPS and none of the components rely on the internet it may be similarly robust.
Not sure if the price difference between an alarm and a Home Assistant set-up is much if you keep an eye out for deals.
I do have cameras but, to add an extra layer of privacy, they are connected to smart sockets which only turn on when the alarm is set.