If you're worried about costs, I run Nextcloud locally in my house, and just deal with the fact it's not externally available.
I do the same but then have a VPN so I can reach it externally. One more thing to maintain but worth it.
I do the same but then have a VPN so I can reach it externally. One more thing to maintain but worth it.
Now I use Tailscale (which is free for a single-user account) and it works excellently, without the Cloudflare dependency. No login necessary through the browser like with Cloudflare Tunnel, because you're already authed with Tailscale on the device.