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In general, people just use noIP home router VPN, ssh/sftp host on LAN, and a sshfs client on their iOS/Android device or MacOS/Windows/Linux. It will look like any other network shared drive in the native OS.

For paid services, there are also native Dropbox client support in MATE, Ubuntu, or Mint desktop file managers etc.

iOS sftp:

https://www.photosync-app.com/home

Android sftp:

https://play.google.com/store/apps/details?id=cz.bukacek.fil...

Practically speaking, I often recommend dual booting from 2 ssd drives for windows and Linux. There are just some commercial software/games that can't run properly within a linux environment (programs like Wine do allow running some Windows native programs, but YMMV.)

https://www.linuxmint.com/ or https://ubuntu.com/download/desktop is a great starter OS.

If you already use a posix system like MacOS, than the workflow will seem more familiar. =3

NextCloud?

Throwing in opencloud here. I ran nextcloud self hosted for many years. If you need only file sharing on a webui with users, then opencloud is faster, more stable and less resource hungry.

rclone