Thanks for the idea. I’m mainly looking for storage that I could access even if I blow up my house.

This.

I invested in my personal infrastructure a bit. Bought an old retired Dell R710 server for $100, installed proxmox on it. Nextcloud is basically a one-click install using a Turnkey Linux container.

My setup clearly isn’t for everyone, but if you’ve got $100 to spare for some hardware and aren’t afraid of running your own server, proxmox is free and crazy powerful.