>None of this is so important I'll need it in 10 years or so secret I can't let the cloud service see it.

then you're a pretty unusual note taker because personal notes frequently cover anything from medical, financial, work-related or simply dates, addresses or other personally identifiable information none of which I would ever remotely trust with an online cloud service. In particular not in an ecosystem of haphazardly abandoned and rebooted projects that are maintained in a Discord channel.