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Namecheap is again increasing prices for domains...

Cloudflare have the fairest prices since they don't run their registrar to make a profit... but for the last 20 years I've been telling people not to get their domain name and their hosting from the same place so I'm conflicted...

Why would you prefer to keep domain and hosting separated? Cloudflare seems to have good prices, but they do not allow domain transfer for all tlds.