> Another big one for me is the failure modes. What do I do when my home connection is down? How about when my connection is down and I'm traveling? What happens when the hardware fails? How about when the hardware fails 5 years from now?

This is the big obstacle preventing me (and I assume others) from moving away from cloud. Cloud services just work, everywhere, all the time (effectively). I'd love to get the privacy benefits of bringing my data "in-house" but I'm not sure I want to take on the equivalent of a part-time sysadmin job.