I have a "prosumer" grade £120 ASUS gigabit router, which has a perfectly adequate settings UI, firewall, port forwarding, and supports NAS via a USB HDD, or 4G failover if I ever happen to need it. No need to overpay for fancy business/enterprise grade networking equipment - plug it in, and it works.
Photos/videos are stored in Google Photos for £1.99/mo - I'd happily pay more if I exceed the 200gb limit I currently have iirc, but most of this is junk I won't ever access again that got backed up from my phone, eg screenshots that I took to send in Messenger/WhatsApp and forgot to delete afterwards.
Pretty much anything else that I do with a computer only has to be done when the computer is turned on. Having a separate server running drawing 100-200w at all times (even when we're in the office or sleeping, which is >2/3rds of the day) considering current energy prices, seems like a massive waste of money. 100w 24/7 for a year costs £300 at the current energy price cap (which most tariffs are currently at or around). I can't remember the last time me and my partner needed simultaneous access to the same files via the network, or I needed instantaneous access to a file on my MacBook or Android phone that is on my Windows/Fedora desktop, so another reason I don't see any need a NAS or server.
Wrt movies (Plex/DLNA/Kodi) there's very few films I like enough to want to watch again, that aren't included in Netflix, Amazon, or Disney's library. Hence there are very few that I own physical disc copies of, and I can just play the disc on the PS5, or my PC's bluray writer, or the upstairs TV, so no need to back these up onto a HDD or stream around the house. Any content that is already on my PC just requires me to switch it on (via either Wake on LAN, walking 10m upstairs and pressing a button, or bluetooth switchbot) temporarily to stream to my TV via a DLNA server. No need to leave anything running permanently.
Really the only way I can see home servers making sense, is if running the server itself is your hobby. The added convenience is almost zero, and for me wouldn't be worth it considering the £300/yr electricity cost and £300-£1000 initial outlay I can imagine for decent hardware and a few TB of drives if you don't have an old PC lying around. Plus all the time spent configuring, monitoring, and maintaining - most on this site do enough of that at work already, and I have enough hobbies as it is ;D