Those are all issues that should be solved by the managed provider.
It's been a while since I spun up a k8s instance on AWS, Azure, or the like, but when I did I was astounded at how many implementation decisions and toil I had to do myself. Hosted k8s should be plug-and-play unless you have a very specialized use-case.
If you're not paying someone to manage this for you, either you're a hobbyist (perhaps masquerading as a professional) or you have the scale or special use-case that makes you outside 95% of use-cases.
Last I checked, managed k8s clusters weren't much more expensive than the compute they ran on.
It's been a while since I spun up a k8s instance on AWS, Azure, or the like, but when I did I was astounded at how many implementation decisions and toil I had to do myself. Hosted k8s should be plug-and-play unless you have a very specialized use-case.