Yep, even with something like NextCloud or ownCloud it gets tiring pretty fast. I do get the appeal of handling everything on your own, but it also brings any of the downside of handling everything by myself. I just need a working cloud storage with sync, redundancy, and availability. Can I get it up to spec? Definitely but it will cost more both in time and money than getting OOTB solution.

I gave up sync and availability for sensitive data to at-rest encryption. Mundane photos/documents can stay on Google Drive, for now. I wish there's a better solution.