The guide
What builder fees actually buy.
With the big site builders you're renting software. The monthly fee is the rent, and the site exists only while you pay it. That's not evil; it's just a rental, and it should be judged like one.
What keeping a site online really costs.
A well-built static site (pages that don't run a live system) costs pennies to serve. When a fee is charged "for hosting" a simple site, the fee is for the company, not the electricity.
When monthly is fair.
When something is genuinely running for you: reservations being taken, calendars being synced, a mailbox receiving, edits being handled by a human. Real service, real fee, and it should be cancelable without taking your web presence down with it.
Four questions for any provider.
Is my domain registered in my name? What exactly does the monthly buy? What happens the month I stop paying? And what do I walk away with if we part ways? Clear answers to those four tell you everything about who you're dealing with.