You can also just use passphrase login. Less ideal, but can be easier. You determine your own level of paranoia.
Heck you can even run an OS in a browser these days. Make your phone a dumb amnesic terminal and never worry who accesses it.
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As I alluded to you can wrap this in all layers of paranoia but the general ssh server configured with sftp and an address you can reach it at is sufficient for just not letting border patrol see your data. Everything else is just further hardening if you really are more of interest.