What about backups? My greatest fear is self-hosting valuable stuff (like family photos) only for my NAS to fail one day and lose potentially everything.
Hard to make a particular recommendation as backing up to the cloud is a popular option but depends on your upload speed and rate of data change. And depends how much you're willing to spend for what tradeoff
Use Hetzner! I'm not affiliated just a happy customer.
So I effectively have multiple layers of backups.