Donations

So I looked into Ko-fi and was very close to setting up a page there, but when I read their terms-of-service, where they say that they are not going to handle anything money-wise yet may charge fees.

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Ko-fi is not a party to any transactions conducted via the Site and bears no responsibility for your tax obligations, nor any liability for associated penalties or losses.
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You may be required to pay fees, on a subscription basis, for using the Site as a Creator.
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So yeah, no thanks. No worries for you yet you take “+5% service fee” which does not sound as free as I intially thought. Thanks for making account deletion easy.