I have been using Netgear WNDR3700 and similar routers for years with no problems and no cloud account. I keep one as a spare for family in case someone's gets knocked out by a power surge, or the power supply dies, or whatever. Had that happen several times. I've never had one be "flaky": they either work or don't.
I buy them at Goodwill for $5-10 whenever I see them there, which is fairly often.
They have two main features I like:
- separate main and guest networks. I put all my non-computer stuff like phone, TV, Roku, Tivo, etc on the guest network. There is a setting to isloate the guest network from the main network on separate vlans.
- they have a QOS setting for uploads (I only have 1Mbit up), so when I do online backups with HashBackup (I'm the author), the router will use the full upload bandwidth if there are no other connections uploading, but if there are other connections needing to upload, the router splits the capacity between the active connections. Without QOS, it was impossible to have an interactive ssh session during a bulk upload. With QOS it works fine.
You can buy these on eBay for $15-25. Get one with free shipping so that if you have trouble and have to return it (unlikely with a high feedback seller), you don't have to pay for shipping.