Obsidian offers a solid set of premium features tailored for daily users; they're paid but unquestionably worth it. While I have a premium subscription, I still opt for a custom setup. 

For example, in my upcoming project, I'll use my database and template for extra features, and for synchronization, I utilize my personal cloud. 

However, most of the time, the free and premium features suffice for the majority of users. 

Additionally, explore community plugins; they provide additional functionality.