@chris Such a similar journey here: https://chriswiegman.com/2025/01/am-i-doing-computing-wrong/
I too used Dropbox, SpiderOak, and, happily for a long time, ownCloud, until ownCloud threw a billing issue at me. Now it's a household iCloud plan.
I don't want to go Google, want things to be easy for my family to stay secure and backed up, but I don't want to buy more Apple stuff, either.