> There is something to be said about the larger centralized services. I’d be hesitant to put any sensitive files on my own server. The larger firms have security departments ready to respond to CVE’s and 0days.

Some people change their own oil, mow their own lawns, fix their own dripping faucets, etc.

Running a secure server on the internet requires different, but not more knowledge and effort, and is less expensive, than changing your own oil.

There's no need to be in thrall to the "larger firms". They have different problems, which you might not be able to solve for them -- but you can often solve your own.