I gave up sync and availability for sensitive data to at-rest encryption. Mundane photos/documents can stay on Google Drive, for now. I wish there's a better solution.
I haven't touched my nextcloud installation in maybe 9 months and I've been running it for about 1.5 years.
When there is a problem it's now very easy to fix, I just point an agent at it. It syncs to my phone, my laptop, and several other people's as we use it for a small business.
It's not perfect but neither were any of the commercial things we'd tried before either.
If you are an individual and you want to store a media library, you'll go broke instantly.
I have roughly 200TB of storage capacity, 100TB used, in my NAS. That would be $2300/mo on S3 before even getting to access fees and network egress.
There's no way you are consuming this much content actively. You could store all of it in S3 deep archive for $200/m (100TB) and maintain a tiny fraction in the standard resource pool.