What's the best DIY security system that interates with HA?

I have a tiny 1,000-square-foot house with cameras (Reolink via Blue Iris) and Aqara door/window sensors that have been quite reliable over the last year or two.

What is the ideal keypad/security “hub” setup?

Bonus points if you can recommend live monitoring for insurance.

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Mine is Abode; it works well overall, but one catch: to get alerts when the alarm goes off, you need to pay a monthly fee for self-monitoring. Without the subscription, you can still use Home Assistant to arm and disarm the system, check sensor status, and get notifications when sensors change.

A good feature of Abode is its backup battery and cellular backup, but the cellular backup requires the subscription.