There are so many great options available now with umbrel, start9, citadel, plus os load able nas, even standard servers all help meet you where your budget is.
I went down this path because I currently have about 1TB of data in just photos of my family and kids. Thats only going to grow and ive noticed Google, Microsoft, and Apple all have raised their prices and lowered their data limits for their tired offerings. I mean practically speaking I saw the writing on the wall.
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Do you feel that your servers are as safe as paid cloud services in case of natural disaster or fire? How do the backups work in that case?