Just curious what the reason behind not wanting to use Cloudflare Tunnels is?

Just in case no one else has seen the , Netgate have walked back the change somewhat.

It is now going to require the original advertised TAC Lite/$129 a year subscription, which is what was stated from the inception of Home/Lab.

https://www.netgate.com/blog/netgate-pfsense-plus-tac-lite-available-for-129-per-year