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

Just in case no one else has seen the

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