I typically don't do any kind of development unless the file is hosted on FMS. The FDS subscription gives you one for $99 so there is really no reason not to use one.
We also NEVER deploy any client stuff on peer-to-peer. If the client cannot afford the basic 5-user license (that includes the use of 3 FMSes) @ $900 then it clearly isn't a project worth considering getting into.
So all the clients have FMSes too, usually at least one, given that the licensing allows for more we tend to split off the dev and testing on a separate one.
We do our own hosting with soliant.cloud so there is very little friction if the client doesn't want to maintain infrastructure, or if we need a short-lived server during dev/testing.
Even here in my home office I have more than five FMSes running, anything from 16 through 19, both macOS and Windows plus I have a few on AWS (including the Linux one). For me that's all the cost of doing business and provides me with sufficient sandboxes to hone my skills.
A solid deployment is the cornerstone of giving the client the true value of what you developed for them