

Honestly, I would go with a managed Nextcloud solution like Hetzner Storage Share or another reputable provider. No hassle of updating and securing the server, no data stored at Google or Microsoft, and easy to administrate by people who aren’t expert system administrators in case you are no longer available. I also went with that route for my personal instance because it was actually cheaper than hosting it myself on a VPS.
I use Kopia to do encrypted incremental backups of my user directory.