You could go Ubiquiti. 200 for a dream router and 100 each for g4 instants. I think your recordings would go to an SD card, but I’m not sure, I have a dream machine pro, so it’s a bit different. No monthly charges since it’s all hosted at home. Camera quality is better than all of my neighbors with rings
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Honestly, a Lorex/Dahua/Hikvision IP camera, or even a no-name amazon IP camera should work. They all support ONVIF and can generally be watched over HTTP. They don't require a NVR or anything and certainly don't require anything more than a network connection. They're not wireless, however.
All my cameras are cheap wireless webcams with absolutely no ability to communicate outside the local network. They connect to a home built Linux system that I vetted personally.
Honestly, it's not that hard. But most folks don't know that or care. They just want to buy, plug in, and go. That the device they brought into their home and just attached to the same network that has all their photos, access to bank accounts, etc might be a spy device doesn't even occur to them.