I just recently bought a NAS for 20 euros and have been thinking about setting it up but am skeptical of relying on it for anything too important. But then again don't feel I can really trust anything too important to be in google drive either.
I also even have a hetzner nextcloud instance that I use for most low/medium importance stuff but I've found it a bit unreliable with the connection failing, mountainduck causing finder to crash, and the website getting quite sluggish when I upload a bunch of photos.