If you want the confidence of a fully maintained forum system but without adverts. Then you can pay for advert free forums.
For most people who simply want to run a forum, this is a much better option than your own hosting which will leave you either with an uncustomised forum, or a forum that you have to maintain your self.
With about 6 security updates to phpbb in a year, each requiring skilled installation. This is not easy, hence phpbb's reputation as the most hacked forum system on the web.
An advert free forum from people who are experts in forum maintanance and backup is the only option for real peace of mind.
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