Yeah, channel loading is a thing. Setting up your own trunked system on commercial LMR frequencies is going to require some serious justification with the frequency coordinator. Then the licensing. Then all the equipment, tower site, etc.
You could do it on amateur radio, but you're still looking at a lot of money on equipment and location.
No point in spending all that money if you don't have a good radio site.
You could do a single channel/single site trunked system pretty easily, but that doesn't give you a lot of usefulness.
I built out a single site 5 channel NXDN system back in 2011, and just the repeaters, antennas, power supplies and amplifiers ran about $350K.