Taking the code away from restrictive hosts can definitely be a form of lock-in, as you pointed out with needing technical expertise to move your Wordpress blog or other site over. Tools to address this and battle the cloud or restrictive host lock-in on open source apps are also popping up to help free the world and their applications.
Tools like BAM! (www.bamtastic.com) are meant to let people keep their code AND data and move it anywhere automatically, freeing us all from the people trying to make a buck with the locked down SaaS hosting of open source apps.
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