I'm curious about encryption with this or any similar service. My understanding with NextCloud is it can be set up with encryption such that the server cannot access the data.
I also created and maintain an open source end-to-end encrypted product, Budget Zen [1], and it's just a different kind of beast.
Applying either concept here would be very complicated and complex.
To get an idea, Nextcloud offers server-side encryption and end-to-end encryption add-ons (apps), but they often cause issues with data becoming irrecoverable [2] [3] or simply not being compatible with mobile/desktop apps or other plugins/apps. And they have many years, many people, and a lot of money to throw at the problem.
[2] https://help.nextcloud.com/t/recover-encrypted-files-after-l...
[3] https://help.nextcloud.com/t/all-files-lost-after-encryption...
I typically self host with full disk encryption which I trust more than application level encryptions. Guessing that works for most self hosters
I've been avoiding Nextcloud (because of their suggestion to run a Docker container with access to the Docker socket), so luckily I have not suffered any data loss, but I appreciate being informed of the risks there also.
Certainly having a targeted scope like on your other project helps reduce the complexity of the implementation and can turn it from unapproachable to viable.