I have the ikea home hub and it basically is maintanance free. There is no need or even a UI for updating/managing/reinstalling the OS. It just works and has been just working for years.

For other systems like photos and file storage the main complication would be around backups which fall back on the user. If your home automation hub dies, you just chuck a new one in and re-pair your lights. If your photo server drives die it's a disaster. Realistically you'd want to have a backup copy on the cloud, which would lead many casual users to wonder what the point of even hosting the server is if you still need to pay for the cloud backup.