Choose hosted if
You want it to work today, you use ChatGPT or Claude on the web and your phone, and you would rather not run a server. A hosted service gives you a secure remote endpoint that remote MCP clients can call out of the box. Hjarni is hosted in the EU (Germany), does not train AI on your data, and lets you export everything as Markdown whenever you want, so "hosted" does not mean "locked in."
Choose self-hosted if
Data residency on your own hardware is a hard requirement, or you are a developer wiring memory into an agent. mem0 with OpenMemory and MemCP are open-source memory servers; Khoj is a self-hosted, AI-first knowledge base. The tradeoff is real: you own the setup, the updates, and exposing it safely if a remote assistant needs to reach it.
A common middle ground
Many people use a hosted knowledge base for the notes they want both assistants to share, and self-host a memory server only for a specific developer workflow. The two are not mutually exclusive: an MCP client can connect to more than one server at once.
Self-hosted buys you control. Hosted buys you reach. Pick the one your daily workflow actually needs.