I'm in a similar situation and it's pretty easy to roll your own cloudflsre like solution for ~2$ a month. LMK if this would be viable for you and I can compile a guide.
this post was submitted on 24 Jan 2025
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Matrix
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I use Cloudflare and I had to disable their proxy to get Matrix federation to work. No clue if it can work using their tunnel.
Honestly i think id look at SimpleX instead. Matrix does not encrypt metadata and that's not a good thing.