I personally prefer to self host Proxmox with ZFS. It is ready for enterprise use and can be easily backed up via external drives. There is even a Raspberry Port (https://github.com/pimox/pimox7), but I would never use a Raspberry to self-host again (not because it is not suitable or reliable, just because I need a little more power)

I use

  Fujitsu D3417-B1
  Xeon e3-1225v5
  32GB DDR4 ECC
  Samsung 980 Pro 2TB (with up-to-date firmware)
  Pico PSU 150w

and it is using 9.3W in Idle and about 12W running my daily services. It can even run a macOS VM for experimenting / software development, USB-Passthrough, Replication, etc. etc.

It is rock solid stable, not too power hungry, can run nearly ANYTHING and I never looked back.