@walsonde I don't know which operating system you use, but the official #Nextcloud desktop client for Windows[1][2] and macOS[3] has a feature called “Virtual Files,” which I think is exactly what you want. But I don't know if the #Linux client can do that too. And I don't know how well it works, as I don't use it.
[1] https://nextcloud.com/blog/nextcloud-desktop-client-3-2-with-status-feature-and-virtual-files-available-now/
[2] https://nextcloud.com/blog/nextcloud-introduces-virtual-drive-in-desktop-client-to-simplify-desktop-integration/
[3] https://docs.nextcloud.com/server/latest/user_manual/en/desktop/macosvfs.html