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What am I missing out on as a regular internet user by using the default equipment.
You miss an understanding about what your devices do. Including the devices you got from your provider.
As a consequence, you remain clueless when your devices get attacked and taken over.
What am I missing out on as a self-hoster by using whatever equipment metronet gives me?
You miss the chance of securing your network.
As a self hoster, you are a little bit more attractive, and there are more possibilities of attacking your devices, than a typical PC or mobile user.
My suggestion is an extra router with OpenWRT between the metronet device and all your other stuff. You will get some better understanding just by configuring your OpenWRT for the first time. Their documentation is very good.
I guess this would be a good starting point for your reading:
https://openwrt.org/docs/guide-user/start