That's not really true, there are offerings on the market that make it a breeze. Take Synology. You get raid with dozens of terabytes, that is self managed and has got instructions on every aspect of usage. It's got Google Photos rip-off for every mobile platform, it's got LDAP, Email, Caldav and Cardav packages with GUI. It's got DNS server with easy to use GUI, it's got packages for NextCloud and it's got something like Dropbox that is made by Synology as well.
You don't need no port forwarding or fancy security, it can connect to Synology's cloud thingy that will route your traffic back home correctly, DDNS on steroids.
So if you really want to self host everything, it is couple grands out of pocket and couple of evenings of clicking around.
I am not affiliated with Synology, just a happy user (although I only use it as raid storage with SMB, NFS and as Docker server).