I agree about Yandex, configuration isn’t easy.
But Zoho was really painful for me too, without DKIM support for all emails sent with phpmailer scripts.
So I have switched to Google Gsuite, and it provide 1TB storage for $8/mo, and unlimited storage if you are at least 2 users.
But to receive your own emails from your contact form, it doesn’t matter if you use a free mail hosting service like yandex, even without your own domain.
My comments notifications on my own blog are send with a @yandex.com email.