I run a server at home and I’ve set up Nextcloud.

I don’t trust it to be more reliable than a paid service. The thing about self hosted solutions is you’re completely on your own if something goes wrong. You need to make sure you’re backing things up, that you can restore your Nextcloud configuration if your sql database takes a dump or you fat finger and delete some config files (I’ve done both). Or if you have a power outage or lose internet connection and can’t access vital files, or even something simple like a bad software update causing issues.

While a great option, one can’t simply spin up next cloud and then move everything over like you would a Saas solution as a typical layman.